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Full text of "Thirty-Eighth Massachusetts Fire"

State Library 



OF 



MASSACHUSETTS. 



B. 



Return as Soon as Used. 



Vi 



-: 



lM'BLIC DOCUMENT .... .... No. 9. 



THIRTY-EIGHTH ANNUAL REPORT 



OF TUB 



Insurance Commissioner 



OF THE 



Cammnnfcoraltfr d lltassatjntsdts* 



January 1, 1893. 



PART I. 

FIRE AND MARINE INSURANCE. 



BOSTON : 

WRIGHT & POTTER PRINTING CO., STATE PRINTERS, 

18 Post Office Square. 

1893. 

4 



3fc* V\-b 



TABLE OP CONTENTS 



[For Index to Companies, see end of Volume.] 



COMMISSIONER'S REPORT. 

PAGE 

Introductory, v 

Companies admitted during 1892, vi 

WITHDRAWN DURING 1892, vi 

Fire Losses in Massachusetts during the Year vii 

The Fire Insurance Situation, xi 

Finances of the Department, xiv 

Comparative Tables, xxvii 

Massachusetts Mutual Fire Insurance Companies: 

Comparative Table A, xix 

Massachusetts Mutual Marine Insurance Companies: 

Comparative Table B, xx 

Massachusetts Joint-Stock Insurance Companies: 

Comparative Table C, xxi 

Insurance Companies Of Other States: 

Comparative Table D xxii 

United States Branches of Foreign Insurance Companies: 

Comparative Table E, xxiii 

Aggregates of all the Companies, xxiv 

Massachusetts Business: 

Comparative Table F, xxv 

Comparative Ratios, xxv 

Table G. — Fire risks written, premiums received and losses incurred in 

Massachusetts, xxvi 

Statistical Tables, xxvii 

Massachusetts Mutual Fire Insurance Companies : 

Table I. — Risks, assets, liabilities and surplus, xxviii 

Table II. — Gross cash income and expenditures, premiums, losses and 
expenses, xxx 

Massachusetts Mutual Marine Insurance Companies: 

Table III. — Guaranty fund, scrip, risks, assets, liabilities and surplus, . xxxii 
Table IV. — Gross cash income and expenditures, premiums, losses and 
expenses, xxxii 



IV 



TABLE OF CONTEXTS. 



Ma8sacb Ioint-Stook Insurance Companies: 

Table V. — Cash capital, risks, assets, liabilities and surplus, 
Table VI. — Risks written, premiums received and losses paid, 
Table VII.— Gross cash income and expenditures, expenses and divi- 
dends, 



I'm i ii. m \ 1 1 v Branch i 

Table XI. — Showing deposits, etc., 
Table XII. — Business of 1892, . 



Massachusetts Business in Detail. — Table XIII., . 

Statistics of Fires in Massachusetts: 

Table XIV. — Property, fires, insurance, loss, etc., 

Table XV. — Fires classified by months 

Table XVI. — Causes of fires, 

Table XVII. — Summary, 

Table XVIII. —Fires by months for fifteen years, . 

Table XIX. — Receipts and expenditures of the insurance department, 



PAGE 

xxxiii 
xxxjv 

xxxv 



In mi impanies of Other States: 

Table VIII. — Casta capital, risks, assets, liabilities and surplus, 
Table IX. — Bisks written, premiums received and losses paid, 
Table X. — Gross cash income and expenditures, expenses and divi- 
dends, 



XXX VI 

xlii 
xlvi 



li 

liii 

It 



lxi 

Ixvii 

lxxii 

lxxvii 

Ixxviii 

lxxix 



DETAILED STATEMENT. 

Massachusetts Mutual Fire Companies, 1 

Massachusetts Mutual Marine Companies, . 81 

Massachusetts Joint-Stock Fire, Marine and Fire-Marine Companies, . . 89 

Fire, Marine and Fire-Marine Insurance Companies of Other States, . . 121 

United States Branches of Foreign Companies, 351 

Insurance Companies of Other States and Foreign Countries, with Amount of 

Business done, and Tax paid by Each, 421 

Aiu'endix, 429 



Contmcrnfocultlir of lit;tss;tdjusctis. 



Insurance Department, Boston, March 24, 1893. 

To the Honorable the Senate and House of Representatives. 

In conformity to the provisions of law herewith is submitted 
Part I., relating to lire and marine insurance, of the thirty- 
eighth annual report of this department. 

Again it is necessary to report a reduction in the number of 
companies authorized to transact business in this Common- 
wealth ; at the close of 1891 the number thus authorized was 
181, being 23 less than at the close of the previous year, and 
this list has now been reduced to 177. The companies now 
transacting business in Massachusetts are classified as follows : — - 



Massachusetts Mutual Fire, 
Massachusetts Mutual Marine, 
Massachusetts Joint Stock, . 
Other States, 
United States branches, 




177 



Thus far during the present year three additional fire com- 
panies — the Columbian of Louisville, Kentucky, the Palatine 
of Manchester, England, and the Lancashire of Manchester, 
England — have been admitted and authorized to transact busi- 
ness in Massachusetts. 

The Lancashire, of which mention was made in a note 
attached to the report just as the same was going to press one 
year ago, was compelled to withdraw from Massachusetts 
because of an impairment of its capital, which arose from an 
excess of its deposit in the insurance department of New York 



VI 



REPORT OF THE 



beyond the amount required by law to be held as the capital 
of its United States branch. Since then, by act of the Legis- 
lature of that State, the Lancashire has been able to withdraw 
all of this fund not required by law as its deposit capital, and 
place it in the hands of its trustees, becoming thereby fully 
qualified. The company was, on the thirty-first day of January 
last, readmitted to Massachusetts. 

The following are the changes which have taken place in the 
list of companies transacting business in this Commonwealth 
during the year 1892 : — 

Companies admitted during the Year. 



NAME OF COMPANY. 


Location. 


Date of 
Admission. 


Prussian National, .... 

New York Fire, 

Atlas Mutual, 

Reliance Marine, ..... 


Stettin, Ger., . 
New York, 
Boston, . 
Liverpool, 


March 26 

April 8 
April 11 
Sept. U 



Companies withdrawn during the Year. 



NAME OF COMPANY. 



Location. 



Date. 



Remarks. 



Meriden Fire, . 
Electric Mutual, 

Falls City,. 



British America, 
Lancashire,* 

Traders, 

St Paul German, 

Jersey ( 'ity. 
National Fire, . 

United Fire, 
S\ ndicate, . 



Meriden, Conn., 
Boston, . 
Louisville, Ky., 



Toronto, Can., 
Manchester, Eng., 

Chicago, 111., . 
St. Paul, Minn., 

Jersey City, N. J., 

New York, N.Y., 

Manchester, Eng., . 

Minneapolis, Minn., 



Jan. 


1, 


Jan. 


7, 


Jan. 


16, 


Feb. 24, 
March 25, 


March 25, 
April 14, 


July 
Dee. 


27, 
13, 


Dec. 

Dee. 


31, 

■'51, 



Reinsured in Royal. 

Eng. 
Reinsured in Home, 

N.Y. 
Reinsured in London 

and Lancashire, 

Lug. 
Authority revoked. 
Account impairment 

of capita!. 



Assigned to J. F. 
Frauzen. 



Reinsured in Com- 
mercial Union, Eng, 



* Readmitted Jan. 31, 1893. 



INSURANCE COMMISSIONER. 



vn 



Fire Losses in Massachusetts During the Year. 

In the following table is presented the number of fires occur- 
ring in each city and town of the Commonwealth during 1892, 
with the loss as reported. The "star" indicates that no fires 
occurred during the year: — 



Abington, 

Acton, 

Acushnet, 

Adams, . 

Agawam, 

Alford, . 

Amesbury, 

Amherst, 

Andover, . 

Arlington, 

Ashbarnham, 

Ash by, . 

Ashlield, . 

Ashland, . 

Athol, 

Attleborough, 

Auburn, . 

Avon, 

Ayer, 

Barnstable, 

Barre, 

Becket, . 

Bedford, . 

Belchertown, 

Bellingham, 

Belmont, 

Berkley, . 

Berlin, 

Bernardston, 

Beverly, . 

Billerica, 

Blackstone, 

Blandford, 

Bolton, . 

Boston, . 

Bourne, . 

Boxborough, 

Boxford, . 

Boylston, 

Bradford, 

Braintree, 

Brewster, 

Bridgewater, 

Brimiield, 



No. 

of Fires. 



Loss. 



2 

1 
1 
3 
4 
1 
9 
8 
5 
10 
6 
2 
2 
3 
9 
10 
10 

1 

* 

11 

8 

* 

2 
2 
11 
5 
4 

1 

* 

11 

12 

1 

3 

2 
763 

7 

1 

* 

5 

4 

13 

4 
5 



$245 
500 
800 

2,222 

5,250 
.",,11111* 

52,120 
8,146 
4,270 
2,157 

14,300 
1,100 
2,465 

10,010 

22,680 

858 

4,508 

50 

41,352 
76,262 

3,200 
23,200 
1,804 
2,120 
1,125 
300 

13,401 

8,701 
400 
6,000 
5,200 
1,075,228 
4,228 
1,292 

8,600 

3,615 

10,065 

9,200 
5,625 



1)KOCKTON, 

1) rook Held, 
Brookline, 
Buckland, 
lUuiington, 
( Iambridgk, 

Canton, . 
( arlisle, . 

Carver, . 
Charlemont, 
Charlton, . 
Chatham, . 
Chelmsford, 
Chelsea, 
( Iheshire, . 
Chester, . 
( Shesterfield, 
Chicopee, 
Chilmark, 
Clarksburg, 
Clinton, . 
Cohasset, . 
Col rain, . 
Concord, . 
Conway, . 
Cottage City, 
Cummington, 
Dalton, 
Dana, 
Danvers, . 
Dartmouth, 
Dedham, . 
Deerfield, 
Dennis, . 
Dighton, . 
Douglas, . 
Dover, 
Dracut, 
Dudley, . 
Dunstable, 
Duxbuiy, 
E.Bridgewater, 
Eastham, . 
Easthampton, 



No. 
of Fires. 



45 
1 

8 

* 

1 

95 

7 

2 

3 

* 

3 

1 

1 

26 

1 

2 

* 

17 

* 

* 

7 
2 
3 
6 
5 
5 
1 
2 
4 

13 
4 

12 
1 
3 
4 
3 
2 
5 

2 

* 

3 

1 

* 



Loss. 



$140,317 
2,000 
7,000 

800 

192,022 

3,711 

1,500 

1,150 

8,000 
2,000 
1,300 
21,077 
3,000 
7,400 

58,670 



4,895 

730 

4,640 

868 

2,942 

45,600 

850 

1,800 

19,360 

66,779 

11,525 

19,887 

7,700 

11,000 

1,017 

345 

2,025 

15,100 

538 

895 
65 

11,500 



Ylll 



EEPORT OF THE 



run: LOSSES in MASSACHUSETTS DUBING Tin: Year — Continued. 





No. 


Loss. 




No. 


Loss. 




of Fires. 






of Kires. 




Easton, . 


3 


$3,050 


Hopedale, 


* 




Edgartown, 


* 


- 


HopMnton, 


4 


$1,075 


Egremont, 


* 


- 


Hubbardston, . 


8 


16,294 


Enfield, . 


2 


4,000 


Hudson, . 


3 


1,340 


Erving, . 


* 


- 


Hull, 


10 


37,200 


Essex, 


3 


1,000 


Huntington, 


2 


360 


Everett, 


12 


88,028 


Hyde Park, 


13 


7,295 


Fairhaven, 


* 


- 


Ipswich, . 


12 


1,326 


Fall River, . 


62 


63,510 


Kingston, 


2 


2,010 


Falmouth, 


* 


— 


Lakeville, 


1 


450 


FlTCIU'.UKG, . 


7 


13,254 


Lancaster, 


2 


2,311 


Florida, . 


2 


2,650 


Lanesborough, 


1 


180 


Foxborough, . 


14 


5,430 


Lawrence, 


31 


30,131 


Framingham, . 


14 


4,823 


Lee, . 


2 


1,445 


Franklin, 


5 


5,990 


Leicester, 


3 


3,400 


Freetown, 


1 


150 


Lenox, 


3 


12,901) 


Gardner, . 


15 


25,680 


Leominster, 


6 


38,106 


Gay Head, 


* 


- 


Leverett, . 


* 


— 


Georgetown, . 


4 


900 


Lexington, 


2 


1,100 


Gill, 


1 


1,500 


Leyden, . 


* 


- 


Gloucester, . 


26 


20,608 


Lincoln, . 


2 


5,600 


Goshen, . 


* 


— 


Littleton, . 


3 


3,275 


Gosnold, . 


* 


— 


Longmeadow, . 


* 


_ 


Grafton, . 


7 


54,912 


Lowell, . 


110 


49,124 


G ran by, . 


* 


- 


Ludlow, . 


4 


8,200 


Granville, 


2 


850 


Lunenburg, 


3 


2,300 


(it. Harrington, 


4 


4,010 


Lynn, 


91 


73,982 


Greenfield, 


7 


2,966 


Lynnfield, 


1 


332 


Greenwich, 


1 


90 


Malden, . 


22 


26,342 


Groton, . 


6 


9,835 


Manchester, 


3 


1,540 


Groveland, 


1 


75 


Mansfield, 


8 


4,609 


lladley, . 


2 


1,850 


Marblehead, 


7 


17,053 


Halifax, . 


* 


- 


Marion, . 


7 


2,175 


Hamilton, 


1 


30 


Marlborough, 


13 


6,060 


Hampden, 


11 


51,675 


Marshfield, 


1 


725 


Hancock, 


2 


15,500 


Mashpee, . 


2 


265 


Hanover, 


* 


- 


Mattapoisett, . 


3 


1,940 


Hanson, . 


1 


575 


Maynard, . 


10 


19,243 


Hard wick, 


2 


3,600 


Me'd field, . 


1 


1,200 


Harvard,. 


2 


3,500 


Medford, 


12 


24,635 


Harwich, 


2 


1,880 


Med way, . 


7 


6,796 


Hatfield,. 


* 


- 


Melrose, . 


18 


11,113 


Haverhill, . 


39 


118,352 


Mendon, . 


* 


— 


Hawley, . 


* 


— 


Merrimac, 


4 


966 


Heath, . 


* 


- 


Methuen, . 


3 


2,090 


Hingham, 


5 


4,093 


Middleborough, 


8 


' 1,181 


Hinsdale, 


1 


185 


Middlefield, . 


1 


2,950 


Holbrook, 


3 


4,875 


Middleton, 


8 


10,377 


Holden, . 


4 


125,500 


Milford, . 


7 


15,811 


Holland,. 


1 


450 


Mi 11 bury,. 


8 


18,946 


Holliston, 


5 


8,626 


Millis, . 


4 


2,225 


HOLYOJ 


59 


33,101 


Milton, . 


7 


575 



INSURANCE COMMISSIONER. 



IX 



Tiki: LOSSES IN MASSACHUSETTS DURING the Year — Continued. 



No. 

of Fires. 



Monroe, . 
Monson, . 
Montague, 
Monterey, 
Montgomery, 
MtWashingt'n 
Nahant, . 
Nantucket, 
Natick, . 
Needham, 
New Ashford, 
New Bedford 
Now Braintree, 
Xt'\\ bury, 
Newburi port 

New Marlboro 

New Salem, 
Newton, 

Norfolk. . 
North Adams, 
Northampton 
North Andovei 
No. Attleboro 
Northborough 
Northbridge, 
No Brookneld 
Northfield, 
North Reading 
Norton, . 
Norwell, . 
Norwood, 
Oakham, 
Orange, . 
Orleans, . 
Otis, 

Oxford, . 
Palmer, . 
Paxton, . 
Peabody, 
Pelham, . 
Pembroke, 
Pepperell, 
Peru, 

Petersham, 
Phillipston, 

PlTTSFIELD, 

Plainfield, 
Plymouth, 
Plympton, 
Preseott, . 
Princeton, 
Provincetown, 



* 

2 

4 

* 

* 

1 

* 

* 

24 

5 

* 

85 

* 

2 

19 

* 

4 

42 

1 

19 

33 

14 

7 

2 

1 

1 

1 

* 

4 

2 

5 

2 

5 

4 

4 

4 

5 

2 

11 

2 

1 

8 
* 

7 

* 

14 

1 

10 
* 

* 

3 

2 



Loss. 



£10,300 
4,678 



200 



18,878 

227 

73,947 

4,1 2:> 
28,917 

4,150 

20,095 

600 

26,482 

88,108 

4,985 

2,550 

2,660 

350 

42 

2,100 

5,264 
2,975 
7,140 

11,130 
6,425 
1,445 
2,825 

13,175 
2,440 
4,100 

29,061 

1,225 

625 

9,742 

16,955 

57,063 

500 

19,940 



360 
2,600 



Quinct, . 

Randolph, 

Raynham, 

Reading, . 

Rehoboth, 

I bv ere, . 

Richmond, 

Rochester, 

Rockland, 

Rockport, 

Uowe, 

Rowley, . 

Royalston, 

Russell, . 

Rutland, . 

Salem, . 

Salisbury, 

Sandisfield, 

Sandwich, 

Sagus, 

Savoy, 

Scituate, . 

Seekonk, . 

Sharon, . 

Sheffield, . 

Shelburne, 

Sherborn, 

Shirley, . 

Shrewsbury, 

Shutesbury, 

Somerset, 

SOMERVILLE, 

Southampton, 

South borough, 

Southbridge, 

South Harney, 

Southwick, 

Spencer, . 

Springfield, 

Sterling, . 

Stockbridge, 

Stoneham, 

Stoughton, 

Stow, 

Sturbridge, 

Sudbury, . 

Sunderland, 

Sutton, 

Swampscott, 

Swanzey, 

Taunton, 

Tempi eton, 



No. 
of Fires. 



4 
4 
1 
8 
2 
11 

1 

* 

10 

4 

* 

2 

1 

* 

3 
7 
4 
1 
2 

4 

* 



4 
4 

4 

* 

7 
1 
2 
1 
2 
54 
3 
2 

3 

* 

3 
7 

30 

13 

1 

9 



7 

1 
* 

3 
5 
2 
44 
4 



Loss. 



$23,211 
990 
1,200 
3,485 
7,500 
5,670 
1,400 

3,352 
1,175 

690 
110,000 

3,600 

34. lsi) 

3,629 

75 

1,650 

1,635 



975 

4,345 
7,665 

8,000 

18,500 

1,375 

220 
3,075 
72,760 
6,625 
3,048 
4,699 

6,150 
14,717 

53,428 

7,275 

1,000 

14,786 

13,982 

11,350 
335 

15.300 

8,700 

14,800 

21,710 

1,985 



REPORT OF THE 



Fire Losses in Massachusetts During the Year — Concluded. 







Loss. 




\... 


Loss. 




of Fires. 






of Fires. 




Tewksbury, . 


1 


$2,100 


W. Brookfield,. 


1 


|44,650 


Tisbury, . 


* 


- 


Westfield, 


23 


25,686 


Tolland, . 


2 


70 


Westford, 


4 


1,900 


Topsfield, 


* 


— 


Westhampton, . 


* 


— 


Townsend, 


3 


9,250 


Westminster, . 


8 


7.650 


Truro, 


* 


- 


West Newbury, 


1 


6,700 


Tyngsborough, 


3 


500 


Weston, . 


4 


640 


Tyringham, . 


* 


- 


Westport, 


5 


5,548 


Upton, 


3 


3,905 


W. Springfield, 


4 


6,605 


Uxbridge, 


3 


3,150 


W. Stock bridge, 


* 


— 


Wakefield, 


13 


9,065 


W. Tisbury, . 


* 


- 


Wales, 


2 


1,525 


Weymouth, 


10 


11,952 


Walpole, 


8 


17,325 


Whately, . 


* 


- 


Waltham, 


39 


16,443 


Whitman, 


9 


3,883 


Ware, 


14 


4,628 


Wilbraham, 


1 


1,150 


Wareham, 


3 


12,270 


Williamsburg,. 


3 


4,000 


Warren, . 


11 


297,413 


Williamstown, 


2 


2.200 


Warwick, 


* 


- 


Wilmington, . 


2 


8,000 


Washington, . 


* 


- 


Winchendon, . 


6 


8,795 


Watertown, 


10 


31,689 


Winchester, 


13 


15,152 


Wayland, 


8 


14,346 


Windsor, . 


1 


100 


Webster, 


6 


33,997 


Winthrop, 


6 


3,223 


Wellesley, 


2 


685 


Woburn, 


35 


28,894 


Wellfleet, 


1 


2,500 


Worcester, . 


218 


113,026 


Wendell, 


1 


625 


Worthington, . 


* 


— 


Wenham, 


2 


125 


Wrentham, 


2 


2,850 


Westborough, 


8 


6,109 


Yarmouth, 


* 


— 


West Boylston, 
W. Bridge water, 


5 

* 


14,491 








Totals, 


3,190 


$4,998,638 



While the number of fires during 1892 was 298 greater than 
in the previous year, the amount of loss shows the gratify- 
ing decrease in this Commonwealth of one and a half millions 
of dollars. Had a like ratio of reduction held throughout 
the country, instead of a material increase, the companies 
would have closed the year under decidedly favorable condi- 
tions and prospects. Since the beginning of the present year, 
the loss in Massachusetts, as well as elsewhere, has been 
absolutely appalling. Sixty-four towns report no fires during 
l s '.)2. The returns required of local officials have been gen- 
erally accurately and promptly made, the exception being no 
doubt where new oflicers failed to understand what was 
required, or to appieciate the value of filing the reports when 
the facts connected with the fires were fresh in their memories. 



INSURANCE COMMISSIONER. xi 

The melancholy fact to which attention has been repeatedly 
directed in these reports appears with all of its ugly intensity 
in the compilation presented in Table XVI., — that the 
enormous property waste by tire is in an alarming degree 
from culpable if not criminal carelessness. What a com- 
mentary upon construction methods when defective chimneys 
cause 151 tires; kerosene oil is responsible for 2()2, and 
matches in various ways for 279 fires ; lightning made unusual 
havoc, causing 65 tires, the largest number recorded in any 
single year; tramps are given a better record than usual, no 
tires being attributed to them, but perhaps this and some other 
notable reductions may account for the unseemly swelling of 
the " unknown" list. There is about the usual number caused 
by smoking, smoking in bed, ashes in vessels of wood, cigar 
stubs in wooden spittoons, wood-work near gas or stove, and 
like inexcusable bits of carelessness. It is possible that by 
and by inability to procure ample insurance, which will come 
unless there is some restriction to the now constantly swelling 
amount of fire waste, will compel a resort to heroic measures 
to ensure a fairly reasonable degree of care and precaution on 
the part of owners and occupants of buildings. 

The Fire Insurance Situation. 

Fire insurance is absolutely essential to the business methods 
of the day, and the merchant can no more get on without it 
than without a roof on his storehouse ; he could not get credit 
for a bale of merchandise, or borrow a dollar. Now, when it 
is considered that even the very credit of the business world 
and the foundations of its ability to carry on its enterprises 
are dependent to such an extraordinary degree upon the 
support given it by fire insurance, it seems about time for the 
public to realize the fact that the companies are not their 
enemy ; but one might almost infer, from the clamor and 
from the continuous proposal of restrictive measures before 
the various legislatures, that, instead of a helpful, indis- 
pensable factor of modern civilization, the companies were 
rather a gang of brigands, let loose for some unwarranted 
reason to plunder the public. 

Year after year, from one end of the land to the other, 
measures are before the various legislatures looking to radical 



xii REPORT OF THE 

compulsory changes in the business methods and conditions, 
which, if carried into effect, would utterly destroy the functions 
of the companies. Some of the States would have the funds 
of a company distributed in special deposits with the State 
officials, each deposit for the special benefit and protection of 
the policy-holders of the company in that State. This, logically 
carried out, would strip most of the companies of their entire 
funds, leaving them barely in control of the office furniture, 
and that perhaps mortgaged to some State deposit. Some 
would appoint committees or commissions, at the expense of 
the companies, to fix the rates that may be charged for insur- 
ance ; implying that a committee of people wholly inexperi- 
enced, and from the nature of the case presumably unfriendly 
to the companies, is more competent in this matter than those 
who have made a life study of it, and whose every interest is 
in placing the business upon a just, equitable and symmetrical 
basis. 

It is only by co-operation among the companies, and bringing 
together their information, experience and best judgment, that 
proper and equitable rates can be determined ; yet in some of 
the States this is regarded as a criminal " trust," that should 
be severely punished. In the localities and on the classes 
of business from which comes most loud the clamor about 
"trusts," " extortions " and the like, more often than elsewhere 
it is found that the companies are barely (if so much) getting 
back an old dollar for a new one. 

Others, in case of loss, would compel the company to pay 
the whole policy, whether the loss was so much or not ; ignor- 
ing the fact that the object of insurance is to indemnify for 
honest loss, and not as a reward for felony. Others would 
have a commission in each county, at the expense of the com- 
panies, to adjust and establish loss claims. With a one-sided 
jury, wholly in the influence of the environment, it would bo 
easy to see what kind of justice a company would get under 
such a system. 

If this tendency were to continue, it would result that the 
business would soon be conducted entirely by legislative com- 
missions, the company having nothing left it but to pay losses 
and expenses ; but it cannot continue. Inadequate rates, 
adverse experience and hostile legislation during the last few 



INSURANCE COMMISSIONER. xiii 

years have conspired to cripple, discourage and drive out of 
existence half of the insurance companies of this country. 

With the enormously increasing volume of property needing 
insurance, and of enterprises that depend upon it for their 
credit, on the one hand, on the other the rapidly diminishing 
capacity of the companies to afford this protection, the busi- 
ness community is beginning to sorely feel the pinch. As a 
fact, in none of the large cities is it to-day possible for the 
remaining companies to supply anything like the full protection 
demanded, and under present conditions it is utterly impossi- 
ble to induce capital to form new ones. 

The great complaint urged against the companies has been 
the irregularity and inconsistency of the premium rates. That 
a risk in one locality should be charged quite differently from 
one apparently of the same nature in another, and that the 
going rates in one section or State or city should vary so 
much from others, seems unreasonable. That there has been 
fault, in the absence of a scientific and universal plan of rating 
property generally, is felt and admitted by all, and by none 
more sensibly than the companies themselves. The method 
has been to commit the matter to local boards, who deal with it 
in the aspect of the experience in their limited neighborhood ; 
and it may easily be seen that rates in one city, fixed by a con- 
servative or timid board, might vary essentially from ratings 
on similar property in another city by another board with 
other views. 

It must be that during the large experience of the older com- 
panies there has been acquired a fund of information from 
which could be compiled an experience table similar in char- 
acter to that employed by the life companies in measuring their 
premium charges ; and one of the most hopeful signs in the fire- 
insurance situation is the present earnest attempt at a compre- 
hensive and scientific rating of all mercantile property, to place 
as nearly as possible the just and proper price upon each haz- 
ard, taking into full consideration the risk in itself, the risk from 
neighborhood exposure, the means of prevention, the provision 
for arresting conflagrations, and the general history and loss 
experience of the locality. To accomplish this requires skill, 
patience and an honest co-operation among the companies ; 
and when the rates thus established are understood in the com- 



xiv REPORT OF THE 

munitv at large, and their justice appreciated, the friction 
will disappear, and there may be inducement, which does 
not now exist, for new capital to enter, under a decent respect 
both by company and insured of the motto " Live and let 
live." 

During the past live years the losses and expenses of the 
whole United States business of the companies authorized in 
this State have been 96.78 per cent, of the premiums received, 
leaving less than 3^ per cent, to take care of the increase of 
unearned premium account, for contingencies and profits. As 
a rule, no dividends have been earned from the underwriting, 
and wherever paid it has been from interest upon investments 
of capital and the capital all the time liable to be wiped out 
by conflagration. It is no wonder that the companies are 
getting tired, and half of them, one by one, have laid down 
their burdens and retired from the race. 

No one pretends that the companies are organized and car- 
ried on as purely philanthropic institutions ; but it is pretended 
and claimed that the standard of commercial integrity, honor, 
fairness and courage has been maintained as high among the 
lire-insurance companies as in any commercial enterprise or 
avocation. 

Experience is an expensive schoolmaster, but his lessons are 
impressive and enduring. The surviving companies have at 
length learned that, if they are to pay their losses, expenses 
and a reasonable return for the risk of capital, the premiums 
must be adequate to this effect. They have learned, too, that, 
if the premium charges are justly allotted, it must be by 
making the cost proportionate to the risk ; and to this end, as 
beforesaid, they are now extensively employing in a compre- 
hensive way the plain, common-sense business method of care- 
fully examining the properties proposed for insurance, and 
applying to each the charge which revised experience shows to 
be appropriate to that risk. 

Finances of the Department. 

The total income of the department for the year 1892 was 
$56,369. 17, — an increase over the previous year, and a larger 
amount than in any year since the establishment of the depart- 



INSURANCE COMMISSIONER. xv 

ment. Of this revenue, $23,188.47 was derived from valua- 
tion fees, and $33,181.00 from license fees, certificates, 
statements and copies. The expenditure for all purposes was 
126,756.63, leaving as net surplus, accruing to the Common- 
wealth, $29,612.84 (details in Table XIX.). 

Respectfully submitted, 

GEORGE S. MERRILL, 

Insurance Commissioner. 



Comparative Table A. — Massachusetts Mutual Fire Insurance 

Companies. 





1891.* 


1892.» 


Increase or 
Decrease in 1892. 


Assets (including contingent), 


129,230,906 


831,018,300 


$1,787,394 


Liabilities, .... 


4,829,268 


4,648,264 


819,001 


h surplus, 


5,881,888 


5,626,796 


245,463 


Income, 


4,492,916 


4,945,321 


452,405 


Expenditures, 


4,161,674 


1,396,660 


234,986 


Risks written, 


418,767,890 


147,643,947 


$,876,057 


Net premiums received, 


4,010,575 


4,457,062 


446,487 


Ri-ks outstanding, 


703,089,799 


748,259,992 


45,170,198 


Losses paid, .... 


1,381,972 


994,380 


— 387,592 


Losses incurred, 


1,447,916 


1,031,904 


—416,012 


Assessments collected, . 


B,553 


12,200 


3,647 


Profits returned, 


2,078,378 


2,617,575 


539,197 


Expenses, .... 


682,203 


752,227 


70,024 



* Fifty companies. 



XX 



EEPORT OF THE 



Comparative Table B. — Massachusetts Mutual Marine Insurance 

Com}ianies. 





1891.* 


1892. # 


Increase or 
Decrease In 1S92. 


Assets, 


$730,659 


$663,964 


—$66,695 


Liabilities, .... 


214,293 


208,980 


—5,313 


Surplus, 


516,366 


454,984 


—61,382 


Income, 


399,349 


396,529 


—2,820 


Expenditures, 


477,653 


465,276 


—12,377 


Risks written, 


31,522,519 


29,706,992 


—1,815,527 


Net premiums received, 


376,874 


377,647 


77:] 


Losses paid, .... 


397,645 


384,507 


—13,138 


Losses incurred, 


283,623 


327,906 


44,283 


Risks outstanding, 


5,934,948 


5,144,443 


—790,505 


Expenses, .... 


75,258 


76,069 


811 


Scrip dividends declared, 


- 


- 


- 


Scrip redeemed, 


- 


- 


- 


Scrip outstanding, . 


710,812 


662,362 


—48,450 



* Two companies. 



INSURANCE COMMISSIONER. 



XXI 



Comparative Table C. — Massachusetts Joint-Stock Insurance Com- 

parties. 





1891.* 


1898. » 


Increase or 
Decrease in 1892. 


Cash capital, .... 


$5,007,200 


85,007,200 


- 


Assets, 


10,978,629 


11319,528 


$340,899 


Liabilities, .... 


3,578,217 


3,728,938 


150,721 


Surplus, 


7,100,-11-2 


7,590,590 


190,178 


Income, 


4,660,1 


4,945,510 


285,424 


Expenditures, 


4,446,243 


4,585,802 


139,619 


Fire risks written, . 


301,712,389 


328,411,742 


26,699,353 


Fire premiums received (net), 


2,953,981 


3,232 001 


278,020 


Marine risks written, 


78,926,710 


76,248,562 


—2,678,148 


Marine premiums recYl (net), 


1,221,540 


1,271,444 


49,898 


Fire losses paid, 


1,930,034 


1,977,048 


47,014 


Marine losses paid, 


821,646 


841,006 


19,360 


Fire losses incurred, 


2,085,679 


2,036,179 


- —49,500 


Marine losses incurred, . 


948,949 


1,013,222 


64,273 


Fire risks outstanding, . 


372,173,024 


396,857,653 


24,684,029 


Marine risks outstanding, 


13,863,463 


13,403,294 


—400,169 


Expenses, .... 


1,312,328 


1,394,586 


82,258 


Cash dividends declared, 


382,216 


372,716 


—9,500 



* Eleven companies. 



XXII 



KEPORT OF THE 



ir.\i;AiivF. Table D. — Fire and Marine Insurance Companies of 

Other States. 





1891.* 


1892.t 


Increase or 
Decrease in 1892. 


Cash capital, .... 


$44,600,244 


$43,359,919 


—$1,300,325 


Assets 


168,559,806 


170,209,326 


1,649,520 


Liabilities, .... 


76,511,788 


80,377,409 


3,865,621 


Surplus, 


92,048,018 


89,831,917 


—2,216,101 


Income, 


82,597,862 


88,675,075 


6,077,213 


Expenditures, 


79,401,364 


85,099,465 


5,698,101 


Fire risks written, . 


8,481,026,192 


8,680,957,957 


199,931,765 


Fire premiums received (net), 


67,385,427 


72,900,707 


5,515,280 


Marine risks written, 


1,558,931,604 


1,699,361,084 


140,429,480 


Marine premiums rec'd (net), 


7,676,486 


8,169,767 


493,281 


Fire losses paid, 


41,370,557 


45,348,943 


3,978,386 


Marine losses paid, 


4,403,615 


4,699,684 


296,069 


Fire losses incurred, 


47,392,913 


46,200,302 


— 1,192,611 


Marine losses incurred, . 


5,033,549 


4,870,478 


-163,071 


Fire risks outstanding, . 


10,191,115,835 


10,614,444,343 


423,328,508 


.Marine risks outstanding, 


185,843,395 


179,733,190 


—6,110,205 


Expenses, .... 


26,444,056 


28,217,982 


1,773,926 


Cash dividends declared, 


5,308,129 


4,863,461 


—444,668 


* Eighty-five companies 


t 3 


Eighty-one compai 


lies. 



INSURANCE COMMISSIONER. 



xxm 



Comparative Table E. — United States Brandies of Foreign Com- 
panies. 





1891.* 


1892.* 


Increase or 
Decrease in 1892. 


Deposit capital, 


$9,046,785 


$7,854,285 


—$1,192,500 


ta in United States, 


50,166,899 


50,540,955 


374,056 


Liabilities in United States, . 


82,001,072 


- 32,782,824 


781,752 


Surplus, 


18,165,827 


17,758,181 


—407,696 


Income, 


89,801,143 


12,381,602 


2,530,459 


Expenditures, 


36,350,325 


87,790,529 


1,440,204 


Fire risks written, . 


4,966,572,581 


4,914,608,614 


— 51,963,967 


Fire premiums received (net), 


34,951,456 


36,806,517 


1,855,061 


Marine risks written, 


892,611,956 


1,017,280,934 


124,668,978 


Marine premiums received 








(net), 


3,317,682 


3,793,094 


475,412 


Fire losses paid, 


22,059,949 


22,917,328 


857,379 


Marine losses paid, 


1,395,128 


1,830,165 


435,037 


Fire losses incurred, 


23,705,074 


23,665,547 


—39,527 


Marine losses incurred, . 


1,539,699 


1,692,410 


152,711 


Fire risks outstanding, . 


5,069,681,909 


5,263,740,817 


194,058,908 


Marine risks outstanding, 


47,586,903 


38,616,750 


— 8,970,153 


Expenses, .... 


12,895,253 


13,043,037 


147,784 



* Thirty-two companies. 



XXIV 



REPORT OF THE 



Aggregates of all the Companies. 





1891. 


189*. 


Increase or De- 
crease in 1892. 


Cash capital, .... 


$58,714,229 


$56,221,404 


—$2,492,825 


Assets (including contingent 
of mutual companies), 


250,666,899 


263,752,073 


4,085,174 


Liabilities, .... 


116,634,633 


121,746,415 


5,111,782 


Surplus, 


123,511,956 


121,262,418 


—2,249,538 


Income, 


131,951,356 


141,294,037 


9,342,681 


Expenditures, 


124,837,259 


132,337,792 


7,500,533 


Fire risks written, . 


14,168,079,052 


14,371,622,260 


203,543,208 


Fire premiums received (net), 


109,301,439 


117,396,287 


8,094,848 


Marine risks written, 


2,561,992,789 


2,822,597,572 


260,604,783 


Marine premiums received 
(net), 


12,592,588 


13,611,952 


1,019,364 


Fire losses paid, . 


66,742,512 


71,237,699 


4,495,187 


Marine losses paid, 


7,018,034 


7,755,362 


737,328 


Fire losses incurred, 


74,631,582 


72,933,932 


—1,697,650 


Marine losses incurred, 


7,805,820 


8,926,973 


1,121,153 


Fire risks outstanding, . 


16,336,060,567 


17,023,302,805 


687,242,238 


Marine risks outstanding, 


253,228,709 


236,897,677 


—16,331,032 


Kxpenses, .... 


41,409,098 


43,483,901 


2,074,803 


Cash dividends declared, 


5,690,345 


5,236,177 


—454,168 



INSURANCE COMMISSIONER. 



XXV 



Comparative Table F. — Massachusetts B^lsiness.* 





1891. 


1892. 


Increase or 
Decrease in 18!»2. 


Fire risks written, . 


368,843,089 


1960,872,674 


$97,529,585 


Fire premiums received, 


8,719,803 


10,006,9§6 


1,287,183 


Fire losses paid, 


4,689,579 


4,122,854 


—266,725 


Fire losses incurred, 


5,104,694 


4,140,396 


—964,298 


Marine risks written, 


279,287,761 


299,551,889 


20,264,125 


Marine premiums received, . 


2,392,858 


2,229,301 


—163,557 


Marine losses paid, 


1,463,278 


1,597,732 


134,454 


Marine losses incurred, . 


1,440,297 


1,517,830 


77,533 



* For details of this business see Table XIII. 



Comparative Ratios of Table F. 





1891. 


1892. 


Increase or 

Decrease 
in 1S92. 


Fire premiums received to risks written, . 


1.01 


1.04 


+2.97 


Fire losses incurred to risks written, 


.59 


.43 


—27.12 


Fire losses incurred to premiums received, 


58.54 


41.37 


— 29.33 


Marine premiums received to risks written, 


.85 


.74 


—12.94 


Marine losses incurred to risks written, . 


.52 


.50 


—3.85 


Marine losses incurred to premiums received . 


60.19 


68.09 


+13.13 



xxvi REPORT OF INSURANCE COMMISSIONER. 



Table G. — Fire Risks written, Premiums received and Losses 

incurred in Massachusetts. 





Fire Risks Written. 


Premiums 
Received. 


Losses Incurred. 


Ratio 


or — 


Year. 


Premiums 

Received to 

Risks Written. 


Losses 

Incurred to 

Risks Written. 


1873, . 


1858,393,129 


$10,358,024 


$5,184,364 


1.21 


.60 


1874, . 


655,056,069 


8,253,755 


3,676,063 


1.26 


.56 


1875, . 


597,478,409 


7,232,486 


3,221,943 


1.21 


.54 


1876, . 


528,211,058 


5,974,268 


2,738,180 


1.13 


.52 


1877, . 


585,928,271 


5,998,124 


2,572,185 


1.02 


.44 


1878, . 


558,019,711 


5,506,392 


2,438,121 


.99 


.44 


1879, . 


. 520,814,369 


5,026,482 


2,500,451 


.96 


.48 


1880, . 


609,132,542 


5,479,752 


3,055,273 


.90 


.50 


1881, . 


642,542,633 


5,845,354 


2,884,047 


.91 


.45 


1882, . 


686,030,272 


6,244,053 


4,915,949 


.91 


.72 


1883, . 


710,197,514 


6,896,367 


3,763,949 


.97 


.53 


1881, . 


655,613,160 


7,067,149 


3,865,956 


1.08 


.59 


1885, . 


661,380,951 


7,402,583 


3,132,235 


1.12 


.47 


1886, . 


694,473,662 


7,838,425 


3,369,294 


1.13 


.49 


1887, . 


765,304,046 


8,371,714 


3,136,774 


1.09 


.41 


1888, . 


832,038,483 


8,702,006 


4,444,322 


1.05 


.53 


1889, . 


825,962,689 


8,601,963 


9,284,464 


1.04 


1.12 


1890, . 


871,117,341 


9,039,865 


3,798,502 


1.04 


.44 


1891, . 


863,343,089 


8,719,803 


5,104,694 


1.01 


.59 


1892, . 


960,s7-J.<;7l 


10,006,986 


4,140,396 


1.04 


.43 


Totals, 


114,081,910,072 


•$148,565,551 


177,227,162 


1.05 


.55 



STATISTICAL TABLES. 



XXV111 



REPORT OF THE 



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INSURANCE COMMISSIONER. 



lv 



Table XIII. — Massachusetts Business for 1892, 
Massachusetts Mutual Fire Companies. 





Risks 


Premiums 


Contingent 


Losses 


Losses 


NAME OF COMPANY. 


Written. 


Received. 


Assets. 


Paid. 


Incurred. 


Abintrton 


13,199,864 


$45,673 


$45,673 


$20,422 


$19,659 


Anns luarn 


67,730 


- 


4,409 


10 


10 


A.fk'w right, 


88,645,733 


319,208 


1,596,040 


63,695 


61,515 


Ash Mold, 


2,426 


11 


73 


- 


- 


Atlas, 


4,094,414 


40,603 


121,808 


19,011 


21,117 


Attlelmroimh, .... 


475,512 


2,354 


4,708 


697 


697 


Barnstable County, 


1,664,199 


27,901 


83,703 


14,526 


15,026 


Berkshire, 


1,883 


25,102 


25,102 


7,011 


7,011 


■n Manufacturers', 


44,005,841 


868,604 


1,792,518 


25,910 


23,748 


Bristol County 


478,975 


3,088 


32,194 


2,267 


7,267 


Can»brinVe, 


4/2! 


63.107 


63,107 


11,751 


12,601 


Citizens', 


6,457,740 


84,874 


84,874 


19,483 


19,483 


t lonasset, 


73,680 


1.127 


3,380 


600 


150 


Cotton and Woolen, 


6,723,126 


61,236 


306,181 


690 


50,418 


Dedham, 


1,337,813 


17,236 


19,786 


3,679 


1,286 


Porrhester, 


8,800,450 


138,258 


133,258 


44,629 


44,629 


1-Nn'X 


1,462,863 


22,159 


22,159 


2,479 


2.479 


Full River Manufacturers', . 


13,503,843 


115,162 


575,809 


23,078 


22,336 


Fltchbnrg 


7,678,253 


117,684 


117...SJ 


60,655 


61,405 


Franklin 


1,180,936 


16,130 


16,130 


8,362 


9,412 


Grovdand, 


810,486 


_ 


21,290 


1,668 


1,668 


Hampshire, 


842,320 


12,022 


12,022 


6,026 


6,026 


Hlngham, 


7,743,994 


114.029 


114,029 


22.946 


22,796 


Holyoke, 


8,6*2,809 


128,748 


127,594 


43,918 


43,723 


Industrial 


1,310,382 


10,546 


52,728 


155 


6,794 


Lowell, 


1,543,286 


21,339 


21,3.19 


4,802 


4,802 


Lynn 


411,995 


4,855 


9,709 


1,186 


1,236 


Massachusetts 


4.279,199 


32,706 


32,706 


5,059 


5,359 


Merchants' and Farmers', . 


6,232,234 


91,165 


91,165 


40,783 


40,337 


Merrimack 


7,415,398 


112,845 


112,845 


39,080 


38,552 


Middlesex, 


8,808,991 


129,848 


129,848 


41,732 


41,010 


Milford 


1,028,195 


13,426 


13,426 


7,468 


6,602 


Mutual Fire Assurance, 


1,000,750 


15,642 


31,284 


2,011 


2,011 


Mutual Protection, 


208,500 


2,642 


2,642 


140 


367 


Newburyport, .... 


126,200 


1,500 


6,000 


144 


144 


Norfolk 


4,662,143 


60,944 


67,458 


17,802 


21,146 


Paper Mill 


2,351,771 


23,409 


117,048 


804 


804 


Patrons, 


308,005 


3,903 


11,708 


3,959 


3,932 


Quincy, 


8,163,536 


117,016 


117,016 


29,536 


28,236 


Rubber Manufacturers', 


3,499,223 


31,338 


156,691 


155 


21,040 


Salem, 


847,919 


12,434 


12,434 


3,171 


4,035 


Salisbury and Amesbury, . 


39,050 


318 


3,185 


4 


4 


Saugus 


967,500 


- 


119,273 


2,653 


2,803 


South Danvers, .... 


240,150 


5.170 


15,511 


938 


1,264 


Traders and Mechanics, 


8,675,549 


133,375 


133,375 


36,194 


37,447 


Wachusett 


1,725,168 


26,534 


26,534 


6,271 


7,271 


Westford, 


85,875 


675 


2,026 


- 


- 


West Newbury 


293,772 


- 


16,157 


3,325 


800 


Worcester Manufacturers', . 


13,921,059 


116,307 


581,536 


8,094 


7,497 


Worcester Mutual, 


9,761,091 


139,166 


139,166 


43,185 


46,040 


Totals 


$251,334,472 


$2,816,219 


$7,346,250 


$702,164 


$783,992 



lvi 



REPORT OF THE 



Table XIII. — Massachusetts Business for 1892 — Continued, 



Massachusetts Mutual Marine Companies. 



NAME OF COMPANY. 


Risks 
Written. 


Premiums 
Received. 


Losses 
Paid. 


Losses 
Incurred. 




$22,014,029 
5,592,712 


$297,973 
116,216 


$253,919 
121,755 


$191,821 
121,500 




$27,606,741 


$414,189 


$375,674 


$313,321 



Massachusetts Joint-Stock Companies. 



Fire Business. 



American, 


$8,605,130 


$85,020 


$29,884 


$26,052 


Boy Is ton, .... 






7,789,330 


76,408 


28,330 


23,270 


Dwelling House, 






3,868,442 


22,516 


6,742 


7,242 


Firemen's Fire, 






7,159,654 


54,460 


31,212 


21,414 


First National, 






5,039,122 


66,830 


40,561 


44,003 


Mercantile Fire and Marine, . 






6,443,504 


53,909 


13,607 


11,461 


North American, . 






9,795,248 


93,055 


37,620 


33,962 


Springfield Fire and Marine, 






15,572,605 


182,221 


93,748 


90,276 








$64,273,035 


$634,419 


$281,704 


$257,680 



Marine Business. 



American, ... 
Boston Marine, 
Boylston, ... 
Equitable Marine, . 
Mercantile Fire and Marine, 
Wellfleet 

Totals, . 



$119,300 

38,029,245 

5,706,268 

626,503 

965,500 

724,491 



$46,171,307 



$6,185 
668,783 
44,550 
34,839 
9,414 
40,931 



$804,702 



$23,160 

527,669 

29,166 

19,673 

4,039 

37,935 



$641,642 



$22,675 

508,248 

31,016 

22,173 

' 3,607 

33,435 



$021,154 



INSURANCE COMMISSIONER. 



lvii 



Table XIII. — Massachusetts Business for 1892 — Continued. 

Companies of Other States. 
Fire Business. 



NAME OF COMPANY. 


Risks 


Premiums 


Losses 


Losses 




Written. 


Received. 


Paid. 


Incurred. 


jBtnn 


$22,803,273 


$205,157 


1 

$102,127 


$100,137 


Agricultural) 


4,529,980 


31,973 


10,590 


10,437 


Albany 


1,401,103 


17,15'.t 


11,270 


10,945 


American (Newark) 


3,693,747 


32,047 


18,631 


18,653 


American Central 


- 


- 


- 


- 


American Fire (New York), 


7,882.045 


100,586 


52,902 


42,966 


American Fire (Philadelphia), 


9,625,361 


98,896 


51,271 


59,568 


Buffalo German, 


2,906,756 


27,343 


12,801 


13,960 


Capital Fire, 


2,841,987 


37,433 


7,506 


14,563 


Citizens' (New York) 


2,913,847 


31,007 


20,603 


20,245 


Citizens' (St. Louie), 


393,445 


4,104 


881 


876 


Commerce, 


1,84.'), 4^1 


21,763 


10,041 


7,423 


Commonwealth 


2,686.084 


14,916 


41 


223 


Concordia 


605,314 


5,221 


1,432 


1,432 


Connecticut, 


10,189,600 


110,047 


65,352 


54,846 


Continental 


10,456,659 


116,363 


48,125 


48,559 


Delaware, 


4,791,425 


42,417 


33,322 


32,066 


Detroit 


986,595 


6,793 


376 


476 


Equitable Fire and Marine, .... 


4,802 


41,908 


24,480 


18,285 


Farmer's Fire, 


694,689 


7,429 


2,924 


2,607 


Farragut Fire, 


218,035 


2,812 


2,212 


2,212 


Fire Association, 


11,083,808 


136,876 


86,460 


80,681 


Fire Insurance Co., County of Phila., 


1,546,556 


16,836 


10,347 


7,576 


Fireman's Fund 


6,595,414 


74,952 


33,879 


28,733 


Firemen's (Baltimore) 


597,720 


7,255 


5,129 


4,201 


Firemen's (Newark), 


3,324,965 


32,839 


17,119 


10,034 


Franklin (Louisville) 


1,083,765 


9,404 


3,876 


3,879 


Franklin Fire (Philadelphia), 


3,454,653 


35,655 


18,648 


11,585 


German-American, 


15,120,685 


117,186 


48.9S3 


45,062 


Germania Fire, 


1,080,439 


24,403 


18,061 


15,247 


Girard Fire and Marine, .... 


1,923,107 


20,741 


14,760 


7,409 


Glen's Falls 


4,054,071 


37,673 


14,687 


13.892 


Granite State, 


7,455,416 


93,963 


48,346 


46,791 


Greenwich 


3,581,568 


30,317 


12,810 


12.974 


Hanover 


6,354,382 


71,159 


43,331 


39,606 


Hartford Fire 


11,945,262 


111,747 


48,467 


45.939 


Home 


46,299.562 


500,666 


146,054 


137,948 


Insurance Co. of North Xmerica, . 


17,139,264 


192,747 


105.976 


97,449 


Insurance Co., State of Pennsylvania, 


3,260,636 


38,644 


22,067 


17,445 


Lumbermen's, 


1,001,039 


9,349 


3,559 


4,026 


Manufacturers' and Builders', 


912,520 


11,727 


9,688 


7.235 


Mechanics', 


1,096.380 


14,409 


4,258 


4,992 


Mechanics' and Traders', .... 


3,447,674 


29,257 


26,848 


24,824 


Merchants' (Newark) 


9,302,769 


89,498 


53,033 


43,715 


Merchants' (Providence) 


3,907,475 


39,262 


22,512 


18,144 


Michigan Fire and Marine, .... 


5,030,119 


42,167 


28,035 


22,838 


Middlesex Mutual, 


411,007 


4,107 


12 


12 


Milwaukee Mechanics' 


1,326.408 


9,134 


3,548 


2,771 


Mutual Fire, 


5,606,158 


39,193 


35,824 


7,013 


National Fire, 


11,837,429 


122,246 


71,755 


65,683 


Newark Fire, 


1,845,809 


20,664 


18,074 


13,750 


New Hampshire Fire, 


13,807,246 


143,248 


53,901 


58,504 


New York Bowery, 


2,252,648 


23,745 


14,660 


8,991 


New York Fire 


495,004 


2,812 


- 


- 


Niagara, ' 


11,366,411 


130,883 


86,114 


72,867 





lviii 



KEPORT OF THE 



Table XIII. — Massachusetts Business for 1892 — Continued. 
Companies of Other States. 
Fire Business — Concluded. 



NAME of company. 


Risks 


Premiums 


Losses 


Losses 




Written. 


Received. 


Paid. 


Incurred. 


Northwestern National, .... 


$1,838,220 


$16,060 


$9,542 


$6,016 


Orient 


7,876,463 


66,630 


37,593 


34,428 


Pacific Fire 


2,655,839 


28,698 


7,594 


8,213 


Pennsylvania Fire, 


8,875,238 


115,894 


55,931 


54.475 


People's Fire, 


5,587,199 


59,175 


41,962 


43,405 


Phenix (New York) 


17.127,916 


165,570 


72,642 


55,507 


Phcaniz (Hartford), 


11,447,391 


129,064 


64,976 


55.722 


Providence Washington, .... 


11,581,352 


102,725 


55,816 


53.157 


Queen of America, 


14,151,325 


143,942 


49,894 


54,485 


Reading Fire, 


2,474,362 


23,758 


8,228 


13,046 


Reliance, 


2,633,119 


29,008 


20,314 


17.459T 


Rochester German, 


3,329,920 


44,317 


27,786 


24,211 


Rutgers, 


737,183 


7,001 


798 


1,909 


Security, 


2,705,709 


25,827 


33,464 


20.366 


Spring Garden, 


5,383,589 


46,831 


21,771 


18,831 


St. Paul Fire and Marine 


4.183,158 


37,774 


15,352 


12.1^2 


Teutonia (Xcw Orleans) 


1,720,266 


20,635 


14,510 


14,7:;S 


Teutonia Fire (Philadelphia), 


149,675 


1,683 


168 


187 


Union 


3,196,841 


29.465 


20,565 


17,159 


United Firemen's 


2,031,443 


24,511 


13,454 


12,088 


United States Fire, 


3,750,532 


29,480 


5,184 


5,851 


"Westchester 


5,945,083 


66,685 


36,463 


33.615 


Western 


802.240 


9,054 


5,402 


3,897 


Williamsburgh City, 


2,704,783 


23,195 


5,909 


5,909 


Totals, 


$438,202,966 


$4,282,120 


$2,233,026 


$2,009,181 



Marine Business. 



Atlantic Mutual 

Delaware, 

nice Company of Xorth America, 
Providence Washington, .... 
St. Paul Fire and Marine 

D i lied States Lloyds, 


$17,828,222 

22,141,099 

31,947, S75 

5,075, SU 

1,158,626 

7,962,740 


$93,980 

106,603 

197,141 

42,024 

40,167 

39,394 


*£tW.000 
87,089 

204,;V.i2 
31,166 
20,967 

3,470 


•$60,000 

98,103 

182,510 

82,672 

25,801 

8,770 


Totals 


$86,114,382 


$519,309 


$387,2S4 


$407,856 



* Estimated. 



INSURANCE COMMISSIONER. 



lix 



Table XIII. — Massachusetts Business for 1S92 — Continued, 

United States Branches, Foreign Companies. 
Fire Business. 





Risks 


Premiums 


Losses 


Losses 


NAME OF COMPANY. 


Written. 


Received. 


Paid. 


Iucurrcd. 


Atlas Assurance 




$37,097 


$11. 


$13,149 


Caledonian 


4,>s7,398 


55,107 




14,019 


C'itv of London 


- 


- 


1>,777 


21.429 


Commercial Union, 


14,1 


165,914 


106,627 


94,808 


Guardian Assurance, 


8,144,195 


B9,319 




56,945 


Hamburg Bremen 


3,-^ 


41,123 


84,076 


29,471 


Imperial, ........ 


5.4V" 


14' 




71,718 


Lion Fire, 


2,22 




13,463 


8,552 


Liverpool ami London and (J lobe, 




J.160 


125, 828 


124,640 


Loudon Assurance, 


7,402,883 


73,353 


42.72.-) 


33,720 


London and Lancashire 


0,111363 


106,417 


83,403 


67.629 


Manchester Assurance 


7,896,270 


98,705 


42,677 




National Assurance 


- 


- 


- 


- 


North British and Mercantile. 


12,9^2,292 


123,123 




57.790 


Northern Assurance 


9,085,504 


100,950 


60,401 


4T, 262 


Norwich Union, 


10,110,842 


118,882 


61 ,661 


51.2«2 


Phcenii Assurance, 


11,971,767 


,"20 


68,345 


57,797 


Prussian National, 


1,418,370 


12,256 


768 


949 


Royal, 


80,634,844 


35- 


160,932 


179,457 


Royal Exchange, 


233,396 


1 ,250 


- 


- 


Scottish Union and National, 


6,438,108 


64,966 


25,551 


19.963 


Boo 


18,02 


166,434 


83,395 


73,999 


Transatlantic, 


746.320 


12,922 


10,624 


4,748 


Union Society 


1,464,^74 


12,152 


3.217 


870 


Western Assurance 


7,533,404 


60,712 


24,901 


20,366 




$207,062,201 


$2,274,228 


$1,205,960 


$1,089,543 



Marine Business. 



British and Foreign Marine, 
London Assurance, 
Mannheim, . 
Marine, . 
Reliance Marine, 



Thames and Mersey Marine, 
Uniou Mari e. 
Western Assurance, 

Totals, . 



$54,077,022 

4,356,241 

4,714,367 

61,200,329 

741,357 

4,469,557 

9,220,156 

8S0.430 



$139,659,459 



$269,206 

8,455 

14,922 

55,245 

8,336 

21,211 
98,316 
15,410 



$491,101 



$127,932 

923 

14,869 

21,549 

33 

1,694 

15,042 
11,090 



$193,132 



$luS.650 

2.923 

J2,4ol 

21,549 



1,844 

15,042 
13,090 

$175,499 



lx 



REPORT OF THE 



Table XIII. — Massachusetts Business Jor 1892 — Concluded. 

Recapitulation. 
Fire Business, 



NAME OF COMPANY. 


Risks 
Written. 


Premiums 
Received. 


Losses Losses 
Paid. j Incurred. 


Massachusetts Mutual Fire Companies, 
Massachusetts Joint Stock Companies, 
Companies of Other States, .... 
United States Branches, . ... 


$251,334,472 $2,816,219 

64,273,035 ' 634,419 

438,202,966 4,282,120 

207,062,201 2,274,228 


$702,164 

281,704 
2,233,026 
1,205,960 


$783,992 

257,680 

2,009,181 

1,089,543 




$960,872,674 $10,006,986 


$4,422,854 


$4,140,396 



Marine Business. 



Massachusetts Mutual Marine Companies, . 
Massachusetts .Joint Stock Companies, 

Companies of Other States 

United Stages Branches 


$27,606,741 
46,171,307 
86,114.382 

139,659,450 


$414,189 
804,702 
619,309 
491,101 


$375,674 
641,642 
387,284 
19 5,132 


$313,321 
621,154 

407,856 
175,499 


Totals, 


$299,551,889 


$2,229,301 


$1,597,732 


$1,517,830 



INSURANCE COMMISSIONER. 



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lxvi 



REPORT OF THE 



Comparison of Table XIV. for Fifteen Years. 



TEAS. 


No. of 
Fires. 


Insurance. 


Damage. 


Insurance Paid. 


Total 
Loss. 


Partial 
Losses. 


1878, 


1,728 


$7,703,326 


$3,683,265 


$2,574,841 


532 


1,196 


1879, 


1,852 


8,086,657 


3,626,430 


1,994,412 


605 


1,247 


1880, 


1,722 


11,033,541 


4,454,221 


3,422,143 


596 


1,126 


1881, 


1,694 


11,414,179 


4,312,642 


2,819,847 


511 


1,183 


1882, 


1,758 


12,406,617 


4,789,906 


4,480,797 


529 


1,229 


1883, 


2,233 


12,325,823 


4,686,759 


3,446,076 


666 


1,567 


1884, 


2,011 


13,635,872 


4,704,871 


4,226,144 


543 


1,468 


1885, 


1,828 


11,332,402 


4,169,798 


3,254,256 


482 


1,346 


1886, 


1,920 


12,566,354 


4,579,530 


3,313 892 


328 


1,592 


1887, 


2,238 


13,064,423 


4,220,326 


3,180,244 


519 


1,719 


1888, 


2,446 


16,988,030 


5,385,377 


3,732,835 


594 


1,852 


1889, 


2,490 


22,942,441 


12,388,202 


8,241,478 


758 


1,732 


1890, 


2,471 


17,995,768 


4,656,149 


4,969,964 


604 


1,867 


1891, 


2,892 


25,654,891 


6,581,479 


5,177,916 


633 


2,259 


1892, 


3,190 
32,473 


20,401,008 


5,011,983 


3,486,349 


514 


2,676 


Totals, 


$217,551,332 


$77,250,938 


$58,321,194 


8,414 


24,059 


Averages, 


2,165 


14,503,422 


5,150,063 


3,888,079 


561 


1,604 



INSURANCE COMMISSIONER. 



lxvii 



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Almshouses, 

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Banks and offices, . 

Barber shops, 

Barns and private stables, . 
Blacksmith shops, . 
Boarding and lodging-houses, 
Boiler rooms, .... 
Bookbinders, .... 
Books, stationery and paper hangings 
Brass finishers, .... 

Brick kilns, 

Bridges, 

Broom factories, .... 
Brush makers, ... 
Candy makers, .... 
Carpet dealers, .... 
Cars and car sheds, . 
Carriage factories, 

Churches, 

Cider mills, 

Cigar stores and factories, . 
Clothing and furnishing stores, . 



lxviii 



REPORT OF THE 



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Cobbler shops, ....... 

Cooper shops, ...... 

Cotton butting, waste houses, jute and shoddy 

mills, 

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Creameries, 

Crockery and lamp stores, .... 

Cutlery works, ...... 

Dining-rooms, ...... 

Drug stores, 

Dry and fancy goods stores, 

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Dwelling-houses, 


Dye houses, 

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Electric light stations, 

Farm buildings, ...... 

Fire works manufactory, . 

Forest fires, 

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Freight houses, 

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Furniture factories, 



INSURANCE COMMISSIONER. 



Ixix 



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Furniture stores, 

Gas works, 

Glass works, 

Glue factories, 

Grain stores and elevators, .... 

Greenhouses, 

Grocery stores, including general country stores 

Hardware stores, 

Harness makers, 

Henneries, 

Hotels, 

Icehouses, 

Jewelry stores, 

Junk stores, 

Lamp-black works, 

Lamp stores, 

Laundries, 

Leather stores, ...... 

Liquor stores, 

Livery stables, ...... 

Lodgerooms, ...... 

Lumber yards, ...... 

Machine shops, 

Markets (meat and fish), .... 

Millinery stores, 

Oil clothing factories, 

Oil refineries, 

Oil and paint stores, 

Paint shops, 

Paper mills, 

Paper and twine stores, 



lxx 



REPORT OF THE 






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lxxi 



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Ixxii 



REPORT OF THE 



Table XVI. — Causes oj Fires Classified. 



Property. 



Causes of Fire. 



Almshouses, 
Bakers, 



• (2) 



(15) < 



Banks and offices, 



Barber shops, 



Barns and private stables, . 



. (12) < 

I 

I 

r 

. (12) \ 

i 
i 



(333) ^ 



Blacksmith 6hops, 



(19) < 



Boarding and lodging-houses, . 

Boiler rooms 

Bookbinders, 

Books, stationery and paper hangings, 

Brass finishers, 

Bridges. 

Brick kilns, 

Broom factory, 

Brush maker, 

Candy makers, ..... 
Carpet dealers, 



Cars and car sheds, 



Carriage factories, 



Churches, 



Cider mills, .... 
Cigar stores and factories, . 

Clothing and furnishing stores, 

Club and billiard rooms, 
Cobbler shops, 



(17) 

(10) 

(3) 

(2) 
(2) 
(1) 
(1) 
(1) 
(2) 

(4) 
(3) 

(14) 
(12) 



(30) <; 

I 
i 

I 
(4) 

(8) | 

f 

(26) <j 

(1*){ 
(5) 



I'nknown, 2. 

Gas leaking, 1; defective chimney, 3; careless 
use of matches, 1; unknown, 2; sparks from 
chimney, 1; overheated stove, 2; overheated 
oven, 1; child playing with matches, 1; fat boil- 
ing over, 2; overheated steam-pipe, 1. 

Careless use of matches, 2; mice and matches, 1; 
unknown, 2; cigar 6tub in wooden spittoon, 1; 
breaking lamp, 1 ; electric wires, 1 ; spontaneous 
combustion, 1 ; sparks from chimney, 1 ; leaking 
gas, 1 ; overheated steam-pipe, 1. 

Breaking lamp, 3; exposure, 2; cigar 6tub in 
wooden spittoon, 2; incendiary, 2; defective 
chimney, 1; child and matches, 1; overheated 
stove, 1 

Breaking lantern, 9; explosion of lamp, 6; gas 
leaking, 2; sparkB from locomotive, 6; incendi- 
ary, 76; spontaneous combustion, 5; smoking, 
7; firecrackers, 6; careless use of matches, 4; 
exposure. 24; child and matches, 13; lightning, 
26; explosion of lantern, 4; bonfires, 3; over- 
heated stove, 3; ashes in wooden vessel, 2; tar 
boiling over, 1; lard boiling over, 1; sparks 
from chimney, 1; hot soldering pot, 1; defec- 
tive chimney, 2; explosion of oil stove, 2; un- 
known, 129. 

Sparks from forge, 7; unknown, 3; spontaneous 
combustion, 1; defective chimney, 1; volatile 
oil (naphtha) , 1 ; exposure, 1 ; sparks from chim- 
ney, 2; incendiary, 3. 

Unknown, 5; incendiary, 3; cigar stub, 2; smok- 
ing in bed, 2; explosion of lamp, 2; exposure, 
1; 6moking, 1; overheated stove, 1. 

From fire box, 5; sparks from chimney, 2; gas 
leaking, 1; incendiary, 1; unknown, 1. 

Unknown, 1 ; spontaneous combustion, 1 ; curtain 
near gas, 1. 

Unknown, 2. 

Sparks from forge, 1; sparks from smelter, 1. 

Lightning, 1. 

Exposure, 1. 

Unknown, 1. 

Spontaneous combustion, 1; unknown, 1. 

Spark ignited japan, '2; sparks from forge, 1; 
careless use of matches, 1. 

Goods near lighted candle, 1 ; overheated stove, 
1; overheated machinery, 1. 

Incendiary, 5; unknown, 1 ; sparks from locomo- 
tive, 6; spontaneous combustion, 1; defective 
furnace, 1. 

Sparks from forge, 3; sparks from chimney, 4; 
unknown, 5. 

Curtain near gas, 1; overheated furnace, 6; mice 
and matches, 1; spontaneous combustion, 1; 
careless use of matches, 1 ; lightning, 6 ; incendi- 
ary, 3; exposure, 3; defective chimney, 3; 
breaking of lamp, 1; unknown, 2; burning off 
paint, 1; child and mutches, 2. 

Unknown, 3; incendiary, 1. 

Exposure, 3; unknown, 2; gasoline ignited, 1; 
incendiary, 2. 

Unknown, 10; exposure, 2; hot ashes in wooden 
vessel, 2; overheated stove, 1; explosion of 
lamp, 1; breaking lamp, 1; firecrackers, 1; 
electric wire, 3; rats and matches, 1; sparks 
from open flue, 1; incendiary, 1; defective fur- 
nace, 1 ; careless use of matches, 1. 

Explosion oil stove, 2; smoking, 1 ; electric light 
wire, 1 ; Cigar and woodwork, 1 ; tobacco pipe, 
1; defective stove, 2; cigar near curtain, 1 ; un- 
known, 3; exposure, 1; defective chimney, 2. 

Boiling over of cement, 1; exposure, 1; breaking 
lamp, 1; unknown, 2. 



INSURANCE COMMISSIONER. 



lxxiii 



Table XVI. — Causes of Fires Classified — Continued. 



Property. 



Causes of Fire. 



Cooper shops, 



. (2) 



Cotton batting, waste houses, jute 
and shoddy mills, .... (12) } 



Cotton mills, 



Creameries, . 

Crockery and lamp stores, 
Cutlery, 



Dining-rooms, 



Drim stores, 



Dry and fancy goods stores, 



Dry houses (lumber) 



(22)4 



. (3) 

• CD 

• (2) 



. (21) <( 



. (12). 



(26)< 



• (6) 



Dwelli g houses, . . . (1,595) ^ 



Dye houses (5) 

Dye woods and chemical works, . (3) 

Electric light stations, . . . (4) 

Farm buildings, (71) 



Sparks from chimney, 2. 

Spontaneous combustion, 5; sparks from chim- 
ney, 2; unknown, 2; overheated machinery, 1 ; 

sparks from picker, 1 ; spontaneous combustion, 
oily rags, 1. 

Smoking, 1; spontaneous combustion, 6; break- 
ing lamp. 1; sparks from furnace, 1; careless 
use of matches, 1; unknown, 3; overheated 
machinery, 3; sparks from picker, 3; incendi- 
ary, 1; gas near cotton, 1; sparks from chim- 
ney, 1. 

Candle near wood work, 1; unknown, 1; spon- 
taneous combustion, 1. 

Upsetting lamp, 1. 

Unknown, 1 ; overheated stove, 1. 

Defective chimney, 3; exposure, 4; rats and 
matches, 2; «asoline stove near wood-work, 1; 
explosion of gasoline stove, 1; unknown, 4; 
fat boiling over, 1; overheated stove, 1; sparks 
from chimney, 1; sparks from stove, 1 ; explo- 
sion of naphtha lamp, 1 ; alcohol lamp, 1. 

Spontaneous combustion, 5; breaking lamp, 2; 
careless use of matches, 1; unknown, 1; cur- 
tain near gas, 1; overheated stove, 1; incendi- 
ary, 1. 

Unknown, 7; exposure, 1 ; firecrackers, 2; explo- 
sion of oil stove, 1 ; cigar stub, 1 ; gas in closet, 
1; rats and matches, 2; electric light wire, 2; 
defective chimney, 2; overheated stove, 1; 
breaking lamp, 1; sparks from chimney, 1; 
goods near lamp, 1 ; goods near gas, 3. 

Sparks from boiler, 2; overheated dry-room, 1; 
spontaneous combustion, 1 ; unknown, 1. 

Rafo and lime, 1; upsetting lamp, 17; explosion 
of lamp, 31; breaking lamp, 94; exposure, 109 ; 
children and matches, 91; careless use of 
mutches, 56; mice and matches, 55; defective 
chimneys, 195; sparks from chimney, 49; soot 
itrniting, 10; ashes from pipe and pipe in 
clothes, 20; incendiary, 70; spontaneous com- 
bustion, oily rags, 2; spontaneous combustion, 
37; ashes in wooden vessel, 21; clothes near 
stove, 16; cigar stub, 8; curtains near gas or 
candle, 59; thawing out water pipes, 26; over- 
heated stoves and furnaces, 64; fat boiling over, 
7; tar boiling over, 5; firecrackers and fire- 
works, 25; fumigating, 3; gas leaking, 1; ex- 
plosion of gas, 3 ; breaking lantern, 2 ; explosion 
of oil stoves, 35; lightning, 24; overheated 
steam-pipe, 1 ; plumbers' fire pot, 5; roofers' 
stove, 2; sparks from locomotive, 12; sparks 
from stove and fireplace, 9; starting fire with 
oil, 3; woodwork near stove, 6; woodwork ex- 
posed to gas or candle, 15; electric wires, 5; 
volatile oil (naphtha), 9; smoking in bed, 4; 
match and awning, 1; defective gas fixture, 2; 
overheated stove-pipe, 1 ; explosion of water- 
pipe in stove, 2; lamp and brooder, 1; steam- 
pipe and floor, 1; bonfires, 4; sparks from 
foundry, 2; sparks from fire engine, 1; defec- 
tive furnace, 2; unknown, 371. 

Incendiary, 1; spontaneous combustion, 2; vola- 
tile oil (naphtha), 1; exposure, 1. 

Boiling over of fat, 1; explosion of camphor 
machine, 1; unknown, 1. 

Electric current in switch board, 2; unknown, 1; 
exposure, 1. 

Child and matches, 2; incendiary, 9; defective 
chimney, 12; breaking lantern, 1; exploding 
lantern, 1; breaking lamp, 1; exposure, 7; 
lightning, 2; ashes in wooden vessel, 1; sparks 
from locomotive, 1; explosion of lamp, 1; over- 
heated stove, 2; sparks from chimney, 2; un- 
known, 29. 



1 \ x i V 



REPORT OF THE 



Table XVI. — Causes of Fires Classified — Continued. 



Pbopsbtt. 



Causes of Fihe. 



Fireworks factory, . . . . (2) 

Forest fires (84) 

Foundries (15) 

Freight houses (2) 

Fruit stores (8) 

Furniture factories, .... (15) 

Furniture stores, (15) 

G>a6 works (5) 

Glass works, (1) 

Glue factories, (1) 

Grain stores and elevators, . . (7) 



Grocery stores, including general 
country stores, . 



. (65) 



toi 



Greenhouses, 
Hardware stores, . 
Harness maker, . 
Henneries, . 



• (10) J 

• (10) j 

• (6)j 



Hotels (32) 



Ice-houses, . 

Jewelry stores, 

Junk stores, . 

Lamp-black works, 
Lamp stores, 



Laundries, . 

Leather stores, 
Liquor stores, 



• • (15) 

. • (3) 

. . (6)j 

. . (1) 

• • (1) 

[ 

• • (14H 



• (5) 

• (9) 



Friction, 1; sparks from locomotive, 1. 

Unknown, 33; incendiary, 16; sparks from loco- 
motive, 23; bonfires, 10; exposure, 1; smok- 
ing, 1. 

Incendiary, 1; overheated smoke stack, 1 ; defec- 
tive foundation to smelting furnace, 1; sparks 
from chimney, 3; unknown, 3; electric light 
wire, 1; overheated furnace, 2; defective chim- 
ney, 1; explosion of naphtha lamp, 1; sponta- 
neous combustion, 1. 

Sparks from locomotive, 1 ; incendiary, 1. 

Gas leaking, 1; exposure, 1: unknown, 3; care- 
less use of matches, 1 ; explosion of oil stove, 2. 

Gas leakiug, 1; exposure, 1; spontaneous com- 
bustion, 2; breaking lamp, 1; unknown, 4; 
sparks from locomotive, 1 ; overheated ma- 
chinery, 2; sparks from furnace, 2; defective 
chimney, 1. 

Unknown, 6; exposure, 1; spontaneous combus- 
tion, 3; explo-ion of lamp, 1; overheated fur- 
nace, 1 ; spark from furnace, 1 ; breaking lamp, 
1; curtain near stove, 1. 

Spontaneous combustion, 1; overheated g\s stove, 
1; defective chimney, 1; explosion of gas, 1; 
leaky oil pipe, 1. 

Sparks from stove, 1. 

Exposure, 1. 

Spontaneous combustion, 1 ; exposure, 1 ; un- 
known, 3; firecrackers, 1; ashes in wooden ves- 
sel, 1. 

Defective chimnevs, 2; exposure, 4; explosion of 
lamp, 5; rats and matches, 5; spontaneous com- 
bustion, 2 ; sparks from stove, 1 ; careless use of 
matches, 1 ; incendiary, 4 ; electric light wire, 3 ; 
breaking lamp, 3; overheated stove, 1; sparks 
from chimney, 1; lightning, 1; fireworks, 1; 
cigar stub, 1; explosion of oil stove, 1; child 
and matches, 1; unknown, 28. 

Overheated furnace, 1; exposure, 1; bonfire, 1; 
overheated flue. 1; unknown, 6. 

Exposure, 2; unknown, 2; spontaneous combus- 
tion, 2; igniting turpentine, 1; defective chim- 
ney, 2; rats and matches, 1. 

Dropping lamp, 1; rats and matches, 1; expo- 
sure, 3; unknown, 1. 

Defective stove-pipe, 1 ; firecracker, 1 ; over- 
heated stove, 1 ; explosion of lamp, 1 ; unknown, 
2; incendiary, 1. 

Spontaneous combustion of oily rags, 1 ; cigarette, 
1; unknown, 7; exposure, 4; curtain near gas, 
1; incendiary, 1; defective chimney, 5; over- 
heated stove, 3; rats and matches, 3; explosion 
of oil stove, 2; smoking in bed, 2; sparks from 
stove, 1; explosion of oil lamp, 1. 

Child and matches, 1; unknown, 5; incendiary, 
6; sparks from locomotive, 1; spontaneous 
combustion, 1; sparks from tobacco pipe, 1. 

Exposure, 1; uuknown, 2. 

Spontaneous combustion, 1; careless use of 
matches, 1; unknown, 3; smoking,!. 

Overheated furnace, 1. 

Candle near curtain, 1. 

Careless use of matches, 1; exposure, 1; incen- 
diary, 3; sparks from tobacco pipe, 1; spon- 
taneous combustion, 2 ; spontaneous combustion 
of oily rays, 1; overheated BtOVC, 2; ashes in 
wooden vessel, 1; overheated furnace, 1; un- 
known, 1. 

Unknown, 1; oil boiling over, 1 ; exposure, 1; 
overheated machinery, 2. 

Exposure, 2; explosion of barrel of whiskey, 1; 
spontaneous combustion, 1; overheated stove, 
1; unknown, 3; incendiary, 1. 



INSURANCE COMMISSIONER. 



lxxv 



Table XVI. — Causes oj Fires Classified — Continued. 



Property. 



a of Fire. 



Livery stables, 

Lodge- room s, 
Lumber yards, 



Machine shops, 



Markets (meat and fish), . 

Millinery stores, . 
Oil clothing factory, . 
Oil refineries, 



Taint shops, 



Paint stores, . 

Paper and twine stores, 



Paper mills, . 

Pawnbrokers, . 

Photographers, 

Picture-frame makers, 

Plumbers, 

Pork packing establishment, 

Printing offices, . 

Public buildings, . 
Railroad depots, . 



Rope walks, 
Sail makers, , 



Saw and planing mills, 
School-houses, 



Sheds and outbuildings, 



Ship chandlers, 



(12) 

(4) 
(11) 



(36W 



(18) < 

(6) 
(1) 
(6) 

(13) \ 

(4) 
(4) 

(10) 

(2) 
(4) 
(1) 
(4) 
(1) 

f 

(15) < 

(8) 

(13) 

(3) 
(6) 

(15) \ 



(10) 



(M)< 



(1) 



Unknown, 3; tobacco pipe in pocket, 1; incendi- 
ary, 1; exposure, 3; overheated stove, 3; up- 
ng lantern, 1. 

Unknown. 2; exposure, 1; electric light wire, 1. 

Spontaneous combustion, 1; sparks from locomo- 
tive, 3; exposure, 1 ; unknown, 4; incendiary , 2. 

Careless use of matches, 1 ; ashes on wooden 
floor, 1; exposur rks from forge, 1; 

sparks from fire box, 3; overheated furnace, 
1; spirks from chimney, 4; spontaneous com- 
bustion, 5; incendiary, 4; dnfective chimney, 
3; overheated boiler, 2; smoking, 1; spon- 
taneous combustion of oily waste, 1 ; hot ashes, 
1 ; unknown, 6. 

Children and matches, 1; cigar stub in wooden 
spittoon, 1; gas stove, 1 ; sparks from stove, 
1; overheated oven, 3; incendiary, 2; spon- 
taneous combustion, 2; unknown, 3; breaking 
lamp, 1; lightning, 1; exposure, 1; overheated 
stove, L 

Ashes in wooden vessel, 1; curtain near gas, I; 
electric lk'ht wire, 1; breaking lamp, 1; over- 
heated stove, 1 ; defective chimney, 1. 

Oil boiling over, 1. 

Naphtha igniting, 1; leaky oil pipe, T ; overheated 
machinery, 1; overheated furnace, 1; sparks 
from furnace, 1; unknown, 1. 

Spontaneous combustion, 3; unknown, 2; ex- 
posure to explosion of naphtha, 2; cigar stub in 
wooden vessel, 1; smoking, 1; breaking lamp, 
1 ; incendiary, 1. 

Unknown, 3; lamp near clothing, 1. 

Spontaneous combustion, 2; unknown, 1; child 
and matches, 1. 

Spontaneous combustion, 2; unknown, 3; burst- 
ing of oil pipe, 1; bonfire, 1; incendiary, 1; 
overheated machinery, 1; explosion, oil stove, 1. 

Incendiary, 2. 

Exposure, 1 ; unknown, 1 ; explosion of chemicals, 
1; spontaneous combustion, 1. 

Unknown, 1. 

Sparks from pipe, 1; exposure, 1; explosion of 
lamp, 1; careless use of matches, 1. 

Overheated oven and bam fat, 1. 

Ashes in wooden barrel, 1; unknown, 1; ex- 
posure, 4; spontaneous combustion, 1; rats and 
matches, 1; electric wire, 1; careless use of 
matches, 1; friction, 1; explosion of chemicals, 
1; spontaneous combustion of oily rags, 1; 
sparks from fire box, 1 ; gas near wood-work, 1. 

Cigar 6tub, 1 ; incendiary, 2; unknown, 3; light- 
ning, 1; careless use of matches, 1. 

Unknown, 6; overheated stove, 2; gas near wood- 
work, 1; incendiary, 1; defective chimney, 1; 
lightning, 1; curtain near gas, 1. 

Unknown, 2; overheated machinery, 1. 

Unknown, 3; firecrackers, 1; fireworks, 2. 

Unknown, 7; overheated boiler, 1; overheated 
stove, 1; sparks from smoke stack, 2; sparks 
from chimney, 1; incendiary, 2; exposure, 1. 

Unknown, 4; incendiary, 1; spontaneous com- 
bustion, 1; defective chimney, 2; defective 
furnace, 1; overheated stove, 1. 

Incendiary, 15; careless use of matches, 3; fire- 
crackers, 1; smoking out bees, 1; explosion 
of lamp, 1 ; unknown, 16; sparks from chimney, 
2; child and matches, 3; spontaneous combus- 
tion, 4; spontaneous combustion of oily waste, 
1; explosion of lantern, 1; exposure, 8; ashes 
in wooden vessel, 2; overheated stove, 1; 
Bparks from locomotive, 3; defective chimney, 
1; sparks from foundry, 1. 

Spontaneous combustion, 1. 



lxxvi 



REPORT OF THE 



Table XVI. — Causes of Fires Classified — Concluded. 



PROPERTY. 



Causes or Fire. 



Shoe factories (44) - 



Shoe stores, . 


• . • (H)< 


Slaughter-houses, 


• • • (3)| 


Smoke-houses, 


• • • (1) 


Soap makers, 


• • • (3) 


Stone workers, 


• • • (1) 



Store-houses, 



. (43) { 



I 
Stove and tinware shops, . . . (2) 
Straw hat factory, . . . . (3) 

Tailors (merchant) (13W 

Tanners, curriers and morocco dress- 
ers (4) 

Theatres, (2) 

Thread and twine mill, . . . (1) 

Unclassed, (5) ) 

Undertakers, : . . (4) 

r 
i 

Unoccupied, (29)^ 

I 
I 

Umbrella factories (2) 

Vessels at wharf, . . . . (3) 

Wood and coal yards, . . . (8) 

Warerooms (piano) (3) j 

I 
Wood-workers (no power), . . (21)< 

i 
r 

Wood-workers (with power, carriage 
and furniture factories nut included), (27) 



Woollen mills, 



. (8) j 



l"n known. 19; careless use of matches, 3; sparks 
from chimney, 2; exposure, 2; defective chim- 
ney, 1; incendiary, 4; overheated machinery, 

1; spontaneous combustion, .">; cigar stub, 1; 
careless use of oil, 1; defective Hue, 2; ex- 
plosion of lamp, 1; spontaneous combustion 
of oily rags, 2. 

U known, 4; cigarette, 1; explosion, naphtha 
stove, 1; child and matches, 2; explosion of 
lamp, 1 ; overheated stove, 1 ; incendiary, 1. 

Sparks from locomotive, 1; incendiary, 1; un- 
known, 1. 

Unknown, 1. 

Breaking lantern, 1; sparks from chimney, 1; 
unknown, 1. 

Overheated stove, 1. 

Unknown, 12; exposure, 1; lightning, 1; fire- 
crackers, 1 ; bonfire, 1 ; careless use of matches, 
2; incendiary, 7; sparks from chimney, 5; 
sparks from engine, 1 ; unslaked lime, 1 ; break- 
ing lamp, 1 ; spontaneous combustion, 5; spon- 
taneous combustion, oily rags, 1; child and 
matches, 1; smoking, 1; sparks from locomo- 
tive, 2. 

Sparks from furnace, 1 ; sparks from stove, 1. 

Defective chimney, 1 ; unknown, 1 ; cigar stub, 1. 

Unknown, 2; oily rags, 1; exposure, 5; over- 
heat* d stove, 1 ; breaking lamp, 1 ; firecrackers, 
1; explosion of gasoline stove, 1; upsetting 
stove, 1. 

Sparks from chimney, 1; sparks from machinery, 
1 ; unknown, 2. 

Unknown, 1 ; sparks from chimney, 1. 

Overheated machinery, 1. 

Overheated stove, 1; sparks from fire, 1; un- 
known, 2; exposure, 1. 

Unknown, 1; child and matches, 1; sparks from 
smoke stack, 1; lamp near curtain, 1. 

Drying of plaster, 1; soot in chimney, 1 ; sparks 
from chimney, 1; exposure, 3; unknown, 8; 
incendiary, 10; sparks from locomotive, 1; child 
aud matches, 2; oily rags, 1; defective chim- 
ney, 1. 

Unknown, 1; incendiary, 1. 

Unknown, 2; overheated boiler, 1. 

Sparks from chimney, 1; sparks from locomotive, 
3; unknown, 1; sparks from donkey engine, 1; 
incendiary, 1; bonfire, 1. 

Spontaneous combustion, 1; exposure, 1; over- 
heated smoke stack, 1. 

Spontaneous combustion, oily rags, 2; exposure, 
8; unknown, 6; overheated glue kettle, 1; 
friction, 1; candle and wood-work, 1; sparks 
from chimney, 1; sparks from locomotive, 1. 

Unknown, 10; hot ashes in wooden knit, 1; in- 
cendiary, 4; sparks from boiler, 2 ; spontaneous 
combustion, 1 ; overheated stove pipe, 1 ; light- 
ning, 2; sparks from chimney, 1; overheated 
machinery, 1; upsetting of lamp, 1; breaking 
lamp, 1; oily rags, 1; sparks from stove, 1. 

Unknown, 4; incendiary, 1; breakiug lantern, 1; 
overheated machiney, 2. 



INSURANCE COMMISSIONER. 



Ixxvn 



Table XVII. — Summary of Causes. 





1892. 


1891. 


1890. 


1889. 


1888. 


1887. 


188G. 


^885. 


1884. 


Unknown, . 




656 


4^7 


546 


605 


507 


4S4 


466 


422 


Incendiary 


280 


303 


261 


235 


281 


256 


289 


278 


270 


Defective chimney, 


161 


222 


220 


1 66 


196 


222 


168 


158 


150 


Exposure 


234 


239 


14:; 


477 


205 


183 


210 


204 


307 


Kerosene oil (breakage and 




















explosion), 


258 


248 


235 


217 


188 


176 


116 


114 


136 


C;u at matches, . 


83 


98 


81 


90 


113 


89 


62 


48 


45 


Fire-crackers, 


43 


25 


30 


3 


87 


85 


34 


16 


64 


Overheated stove or furnace, 


228 


106 


101 


98 


93 


83 


80 


68 


75 


Children playing with 




















matches, .... 


123 


164 


127 


116 


N 


75 


54 


61 


78 


Bmoklng, .... 


40 


44 




33 


49 


58 


20 


32 


41 


Smoking in bed, . 


B 


12 


6 


3 


3 


14 


14 


- 


_ 


Bparka trom chimney. 


97 


67 


56 


43 


59 


49 


30 


75 


59 


Onrtatns and goods exposed 




















to Ban or candle, 


72 


63 


46 


38 


45 


48 


31 


49 


42 


Lightning, .... 


65 


31 


45 


25 


42 


47 


28 


37 


29 


Sparks from locomotive, . 


68 


60 


48 


34 


4 2 


38 


23 


15 


26 


From fire-box (boiler room), 


14 


25 


18 


17 


10 


26 


18 


. 11 


14 


Spontaneous comhustlun, 




















oily rags, .... 


16 


41 


35 


AS 


27 


26 


- 


. 


_ 


Spontaneous combustion, 




















cause unknown, . . 


120 


61 


B8 




51 


23 


61 


60 


61 


M lee and matches, 


73 


73 


50 


26 


31 


25 


18 


10 


28 


Soot Igniting, 


11 


34 


28 


35 


29 


18 


20 


8 


8 


Ashes In wooden vessels, . 


35 




36 


19 


M 


17 


21 


14 


26 


Wood -work near stove or 




















funnel 


6 


13 


18 


11 


18 


17 


5 


11 


8 


Wood-work near gas or 




















candle, .... 


26 


19 


16 


14 


16 


- 


5 


_ 


_ 


Volatile oil, ignition of, 


22 


23 


20 


16 


21 


15 


16 


10 


12 


Overheated journal, . 


23 


15 


12 


17 


13 


14 


10 


13 


6 


Fat boiling over, . 


14 


9 


18 


9 


6 


14 


4 


7 


3 


Electric wires, 


21 


18 


21 


7 


8 


14 


4 


3 


6 


Sparks from picker, . 


4 


15 


11 


6 


6 


12 


9 


2 


5 


Bparks from stove or fire- 




















place, .... 


22 


19 


25 


7 


26 


11 


8 


12 


3 


Cigar stub in wooden spit- 




















toou, .... 


23 


28 


20 


15 


9 


10 


7 


_ 


_ 


Clothes drying near stove, . 


17 


17 


21 


12 


15 


10 


5 


7 


16 


Hot iron on wood-work, 


- 


8 


5 


7 


4 


7 


3 


1 


4 


Sparks from forge, 


13 


7 


6 


8 


5 


7 


5 


2 


7 


Thawing water pipe, . 


28 


6 


12 


8 


27 


7 


15 


12 


20 


Explosion of gas, 


8 


7 


11 


8 


5 


5 


3 


3 


4 


Tar boiling over, . 


8 


2 


1 


4 


1 


4 


2 


4 


1 


Rags in funnel hole, . 


- 


1 


1 


2 


- 


4 


2 


_ 




Timber built into chimney, 


- 


1 


5 


- 


- 


3 


. 


2 


3 


Overheated steam pipe, 


4 


8 


3 


4 


7 


3 


4 


- 


4 


Starting lire with kerosene, 


9 


1 


3 


2 


4 


3 


4 


_ 


_ 


Overheated oven, 


4 


4 


7 


8 


5 


2 


3 


. 


_ 


Tramps, .... 


- 


14 


ie 


14 


10 


2 


10 


4 


14 


Sparks from emery wheel, 


- 


5 


2 


1 


- 


1 


- 


_ 


_ 


Plumber's fire-pot, 


8 


10 


4 


7 


4 


- 


3 


5 


8 


Slaking lime, 


2 


6 


7 


1 


5 


1 


3 


3 


3 


Sparks from kiln (brick), . 


- 


3 


7 


3 


- 


- 


3 


1 


4 


Explosion of boiler, . 


- 


- 


4 


1 


- 


- 


2 


2 


1 


Burning sulphur (fumigat- 




















ing), 


3 


5 


4 


2 


- 


- 


- 


_ 


_ 


Reflected rays of the sun, . 


- 


_ 


1 


2 


- 


_ 


_ 


_ 


_ 


Sparks from smelting fur- 




















nace, 


4 


- 


3 


- 


- 


- 


- 


_ 


1 


Burning off paint, 


1 


1 


2 


- 


- 


- 


_ 


_ 




Melting resin, 


- 


- 


4 


- 


- 


_ 


_ 


_ 


_ 


Gas leaking, 


9 


9 


5 


. 


_ 


_ 


_ 


_ 


_ 


Open funnel hole, 


- 


1 


7 


_ 


_ 


_ 


_ 


_ 


_ 


Railroad collision, 


- 


- 


2 


_ 


_ 


_ 


_ 


_ 


_ 


Overheated kiln, . 


- 


2 


_ 


_ 


_ 


_ 


_ 


_ 


_ 


Overheated cupola, 


- 


3 


— 


_ 


_ 


_ 


_ 


_ 


_ 


Wax boiling over, 


- 


1 


- 


- 


- 


- 


- 


_ 


_ 


Powder explosion, 


- 


1 


- 


_ 


_ 


_ 


_ 


_ 


_ 


Spontaneous combustion of 




















coal, 


- 


9 


_ 


_ 


_ 


_ 


_ 


_ 


_ 


Bonfires, .... 


22 


_ 


_ 


_ 


_ 


_ 


_ 


_ 


_ 


Explosion of chemicals, 


3 


_ 


- 


_ 


_ 


_ 


_ 


_ 


_ 


Explosion of barrel of 




















"whiskey, .... 


1 


- 


. 


_ 


_ 


_ 


_ 


_ 


_ 


Sparks from fire engine, . 


1 


- 


~ 


- 


- 


- 


- 


- 


- 




3,190 


2,892 


2,471 


2,490 


2,446 


2,238 


1,920 


1,828 


2,011 



lxxviii 



EEPORT OF THE 



Table XVIII. — Fires by Months for Fifteen Years. 



YEAR. 


>> 

3 

a 
►■a 


ea 

3 

u 

o 


u 

05 


< 


>> 

eg 


• 
c 

3 


3 


■ 

3 

bo 

3 
< 


M 

9 

fit 

a 

s 

a, 


C 

o 

.3 
O 

o 

O 


u 
0) 

fit 
E 

> 

o 


la 
« 

fit 

8 

V 

u 

<u 

ft 


CO 

— 

~a 

«5 
O 


1878, . 


168 


107 


126 


141 


162 


125 


155 


133 


142 


170 


157 


142 


1,728 


1879, . 


161 


155 


144 


190 


134 


129 


164 


141 


146 


162 


147 


179 


1,852 


1880, . 


108 


143 


137 


147 


116 


133 


157 


155 


124 


173 


144 


185 


1,722 


1881, . 


175 


142 


135 


195 


131 


101 


163 


100 


111 


193 


132 


116 


1,694 


1882, . 


143 


126 


130 


174 


150 


194 


147 


151 


97 


145 


172 


129 


1,758 


1883,* 


187 


130 


156 


140 


192 


151 


245 


286 


222 


129 


169 


226 


2,233 


1884, . 


191 


137 


117 


117 


163 


219 


268 


130 


138 


178 


158 


195 


2,011 


1885, . 


175 


117 


164 


206 


145 


156 


190 


133 


162 


143 


91 


146 


1,828 


1886, . 


142 


172 


159 


159 


136 


155 


223 


124 


149 


169 


147 


185 


1,920 


1887, . 


161 


138 


170 


180 


324 


161 


251 


146 


134 


202 


179 


192 


2,233 


1888, . 


225 


154 


199 


265 


198 


175 


335 


172 


147 


151 


176 


249 


2,446 


1889, . 


201 


183 


229 


221 


203 


150 


157 


141 


145 


187 


498 


175 


2,490 


1890, . 


228 


172 


180 


278 


161 


172 


308 


183 


146 


189 


175 


259 


2,471 


1891, . 


189 


195 


212 


292 


271 


226 


268 


232 


183 


248 


287 


289 


2,892 


1892, . 


233 


228 


298 


436 


227 


229 


308 


223 


214 


258 


238 


298 
2,965 


3,190 


Totals, . 


2,687 


2,299 


2,556 


3,141 


2,733 


2,476 


3,339 


2,450 


2,260 


2,697 


2,870 


32,473 


Averages, 


179 


153 


170 


209 


182 


165 


223 


163 


151 


180 


191 


198 


2,165 



* Prior to 18S3 no returns were made of " forest fires," and consequently they do not appear 
in the tabulation until that year. They are included each year since, and are as follows : In 
1883, 99; 1884, 46; 1885, 66; 1886, 90; 1887, 127; 1888, 105; 1889, 76; 1890, 64; 1891, 80; 1892, 
84, thereby increasing the ratio of the last-named years over the former ones. 



INSURANCE COMMISSIONER. 



Ixxix 



Table XIX. — Statement of the Receipts and Expenditures of the 
Insurance Department for the Year ending Dec. 52, 1892. 

[Made pursuant to Chap. 214, Sect. 17, Acts of 1887.] 

Receipts. 



Compensation for valuation of life insurance pol 


icies, . 




$23,188 47 


License fees, filing statements, certificates, etc., 






33,181 00 


# 


$56,369 47 


Expenditures. 


Commissioner. 








George S. Merrill, Salary, .... 


• 


• 


$3,500 00 


Deputy Commissioner. 








William S. Smith, Salary, 


• 


• 


2,500 00 


Clerks. 








Fred. L. Cutting, First 


$2,000 C 




Henry M. Billings, Second, from June 1st, 


875 


00 




James E. Shepard, Second, to May 8 1st, . 


625 


00 




Henry M. Billings, Third, from May 1st,. 


100 


00 




Arthur E. Linnell, Third, from November 1st, 


200 


00 




Philip A. Hartley, Third, to April 30th, . 


400 


00 


4,20n 00 


Fatka Ctfrks 








Emma W. Cushman, 


$1,500 


00 




Alice M. Hawes, 




. » 


1,200 


00 




Charlotte E Weis, . 




t t 


1,000 


00 




M. E. Burrill, . 




, , 


1,000 


00 




Ellen J. Cusack, 




, # 


916 


66 




Mary L. McMann, 




t g 


840 


00 




Ella L. Johnson, 






840 


00 




Sarah E. Flint, . 




# m 


840 


00 




Florence E. Gowell, . 




t # 


840 00 




Caroline L. Sawyer, . 




, m 


840 00 




Fannie M. Page, 




9 # 


840 00 




Frances M. Bobbins, . 




t # 


840 


00 




Grace L. Moore, 




. , 


840 


00 




Virginia I. Bryant, 




# # 


600 


00 




Letitia H. Young, 




# # 


479 


03 




Affie N. Tenney, 






280 


00 




Minnie F. Whipple, . 




» ■ « 


124 


19 




Grace C. Studley, 




i • • 


90 


00 










$13,909 88 








General Expenses. 








Printing and binding, 


$1,310 


71 




Travelling expenses, . 






205 


71 




Postage, 






562 


00 




Stationery, . 






152 


15 




Telegrams and express, 






176 


48 




Books, newspapers, etc., 






90 


35 




Stenographic work, etc., 






149 


35 


2,646 75 


Total expenditures for 1892, 


$26,756 63 


Fees collected and paid into State Treasury, . 


• 


• 


56,369 47 


Surplus accrued to Co 


mmonwea 


1th, . 


$29,612 84 



MASSACHUSETTS MUTUAL 

FIRE INSURANCE COMPANIES 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements for the Year Ending 

December 31, 1892. 



2 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



ABINGTON MUTUAL FIRE INSURANCE COMPANY, 

ABINGTON. 

[Incorporated May 30, 1856. Commenced business June 15, 1857.] 
HENRY B. PKIRCE, President. CARLOS P. FAUNCE, Secretary. 

Amount of permanent fund, $41,728 54 

Detailed Statement of Stocks, 

N. E. Telephone and Telegraph Co. bonds, 
Boston United Gas Co. bonds, . 
Marion County (Ind.) bonds, . 
Ramsey County (Minn.) bonds, 
Equitable Mortgage Co. debenture bonds, 
Toledo (Ohio) city bonds, 
Lincoln (Neb.) city bonds, 
St. Paul (Minn.) city bonds, 
Los Angeles (Cal.) sewer imp. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Portland & Ogdensburg R.R. bonds, 
Naumkeag Street Railway bonds, . 

Rutland R.R. bonds, 

East Middlesex Street Railway bonds, 
Trenton Passenger Railway bonds, . 

20 shares Oregon Railway & Navigation Co., 
10 " State National Bank, Boston, . 
10 " Nat'l Hide & Leather Bank, Boston 
14 " First National Bank, Salem, 

21 " First National Bank, Uanvers, . 
34 " Metropolitan National Bank, Boston 

5 " Old Boston National Bank, Boston, 

20 " South End National Bank, Boston, 

13 " Abington National Bank, Abington 

5 " Whitman National Bank, Whitman 



Summary of Assets Dec. 31, 1892. 

Loans on mortgage of real estate (first liens), $35,130 00 

Stocks, bonds, etc., as per schedule,. . . 49,302 50 

Loans on personal security, .... 2,600 00 

Cash in the office of the company, ... 14 25 



ks, Bonds, etc. 




Par Value. 


Market Value. 


f 1,000 00 


$1,025 00 


2,000 00 


1,800 00 


1,000 00 


1,070 00 


3,000 00 


3,415 00 


1,000 00 


1,000 00 


2,000 00 


2,235 00 


2,000 00 


2,000 00 


1,000 00 


1,225 00 


2,000 00 


2,030 00 


2,500 00 


2,668 75 


5,000 00 


5,225 00 


3,000 00 


3,060 00 


3,000 00 


3,307 50 


1,000 00 


1,020 00 


2,000 00 


2,250 00 


2,000 00 


1,670 00 


1,000 00 


1,240 00 


1,000 00 


1,270 00 


1,400 00 


1,743 00 


1,575 00 


1,764 00 


3,400 00 


3,404 25 


500 00 


550 00 


2,000 00 


2,000 00 


1,300 00 


1,820 00 


500 00 


510 00 


$46,175 00 


$49,302 50 



1892.] 



INSURANCE COMPANIES. 



Cash deposited in bank, $ 6,705 75 

Interest due and accrued, 1,392 01 

Balances due on real estate sold, . . . 6,139 30 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, 82,400 00 

Unearned premiums on outstanding risks, . 63,429 39 

Surplus due on terminated policies, . . 691 22 

Incidental expenses, 100 00 

Gross liabilities, .... 



Net cash assets. 



Income. 
Cash premiums received during the year, 
Deduct return premiums 

Net eash premiums received 

Received for interest on mortgages, 

for interest from all other sources, . 

for rents, 

from all other sources, 

Gross cash income, 

Expenditures. 
Paid for losses during the year, 
Deduct re-insurance, 

Net paid for losses 

Paid for brokerage and commissions, 

for salaries and fees of officers and employees, 

for interest on borrowed money, 

for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, 
for incidental expenses, .... 

Gross cash expenditures, .... 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1891,. $8,431,352 00 
Risks written during 1892, . 3,435,762 00 

Total, .... 
Risks terminated during 1892, . 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 
Losses incurred during the year, 



$11,867,114 00 
3,283,781 00 

$8,583,333 00 
205,828 00 



Cash Prem's. 

$ 126,542 53 

48,822 47 

$175,365 00 
46,321 38 

$129,043 62 
2,184 84 



},377,505 00 $126,858 78 



$101,283 81 



66,620 61 
$34,663 20 



?49,351 86 
4,242 41 

845,109 45 

2,014 47 

3,144 85 

125 00 

125 68 

$50,519 45 



$20,972 69 
1,239 57 

$19,733 12 

7,104 85 

3,643 14 

9 16 

668 68 

567 30 

16,068 41 

1,555 63 

£49,350 29 



Conting't Prem's. 

$126,542 53 
48,822 47 

$175,365 00 
46,321 38 

$129,043 62 
2,184 84 

$126,858 78 
$19,659 95 



Percentage of profits or surplus returned during 1892, 25, 40 and 60 per cent. 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



AXXISQUAM MUTUAL FIRE INSURANCE COMPANY, 

GLOUCESTER. 

[Incorporated March 1, 1847. Commenced business Dec. 28, 1847.] 

MOSE3 H. CLOUGH, President. JAMES S. JEWETT, Secretary. 

[Note. — This company charges a cash premium adequate for expenses only, and relies upon 
assessments on deposit notes to pay losses.] 



Amount of permauent fund Dec. 31, 1891, . 

Increase during the year, 

Permanent fund Dec. 31, 1892, 

Summary of Assets Dec. 31, 1892. 

Loans on mortgage of real estate (first liens), $3,825 00 

United States bonds, 

Loans on personal security, 

Cash in the office of the company, 

Cash deposited in bank, . 

Interest due and accrued, . 

Safe, $85 00 

Gross assets, 



Income. 

Received for interest on mortgages, 

for interest from all other sources, . 
from expense assessments, 

Gross cash income, 

Expenditures. 

Paid for losses during the year,' .... 
for salaries and fees of officers and employees, 
for State and local taxes, . 
for rents, ..... 
for expense assessments returned, 
for incidental expenses, . 

Gross cash expenditures, . 

Miscellaneous 



Risks outstanding Dec. 31, 1891, 
Risks written during 1892, 

Total, 

Risks terminated during 1892, . 

In force at end of year, 

Losses incurred during the year, 



$250 11 
88 49 

$338 60 



566 25 




300 00 




155 48 




3,087 46 




171 46 






$8,105 65 






$165 44 


. 


166 84 


• 


255 14 



$587 42 



$10 00 


350 00 




59 


10 


00 


355 


02 


12 


91 



Amount. 

$358,555 00 
67,730 00 

$426,285 00 
79,830 00 

$346,455 00 



$738 52 

Conting't Prcm's. 

$22,982 10 
4,409 60 

$27,391 70 
4,692 35 

$22,699 35 
$10 00 



1892.] 



INSURANCE COMPANIES. 



ARKWRIGI1T MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Feb. 8, 1860. Commenced business Oct. 1, I860.] 
R. W. TOPPAN, President. D. W. BARTLETT, Secretary. 

Office, No. 31 Milk Street. 
Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

United States bonds $25,000 00 $28,375 00 

Massachusetts State bonds, .... 20,000 00 20,320 00 

Worcester city bonds 25,000 00 24,500 00 

Cambridge city bonds, 15,000 00 15,600 00 

Boston city bonds, 20,000 00 23,400 00 

Providence city bonds 45,000 00 48,300 00 

Waltham city bonds 10,000 00 10,300 00 

Lowell city bonds, 20,000 00 21,000 00 

Springfield city bonds, 20,000 00 20,400 00 

Town of Brookline bonds 10,000 00 10,000 00 

Boston & Albany Railroad bonds, . . . 3,000 00 3,150 00 

Boston & Maine Railroad bonds, . . . 25,000 00 25,360 00 

Boston & Lowell Railroad bonds, . . . 36,000 00 36,480 00 

Boston & Providence Railroad bonds, . . 20,000 00 20,400 00 

Chicago, Burlington & Quincy R.R. bonds, . 85,000 00 89,600 00 

Chicago June. R.R. & Union St'k Yds. bonds, . 25,000 00 25,000 00 

Old Colony Railroad bonds,' .... 45,000 00 46,475 00 

Fitch burg Railroad bonds, .... 25,000 00 25,150 00 

Eastern Railroad bonds 35,000 00 42,000 00 

Philadelphia, Wilm. & Baltimore R.R. bonds, . 20,000 00 21,000 00 

New York, Providence & Boston R.R. bonds, . 10,000 00 10,100 00 

50 shares Chicago, Burlington & Quincy R.R., 5,000 00 4,850 00 

Lake Shore & Michigan Southern R.R., . . 30,000 00 36,450 00 

Pennsylvania Company, 30,000 00 31,800 00 



Summary of Assets Dec 

Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 

Interest accrued, 

Gross assets, 

Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Taxes accrued, ...... 

Gross liabilities, .... 

Net cash assets, 



$604,000 00 $640,010 00 

31, 1892. 

$640,010 00 

583 20 

39,188 95 

1,857 07 

9,625 00 

$691,264 22 



$8,429 24 

354,025 41 

1,168 38 



363,623 03 
$327,641 19 



6 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 
Cash premiums received during the year 
Deduct return premiums, . 

Net cash premiums received, . 
Received for interest from all sources, 

Gross cash income, 

Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, ..... 

for rents, 

for profits or surplus on terminated policies, . 

for inspections, 

for incidental expenses, ..... 

Gross cash expenditures, ..... 



$722,325 29 
22,266 09 

$700,059 20 
24,703 62 

$724,762 82 



$91,561 81 

20,858 00 

7,054 32 

1,090 80 

529,224 24 

13,802 37 

5,699 95 

$669,291 49 



Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31,1891, $84,160,813 00 $666,819 39 $3,334,096 95 

Risks written during 1892, . 87,667,396 00 722,703 08 3,613,515 40 



Total, . . . .$171,828,209 00 $1,389,522 47 $6,947,612 35 
Risks terminated during 1892, 85,986,123 00 681,471 65 3,407,358 25 



In force at end of year, . . $85,842,086 00 • $708,050 82 $3,540,254 10 

Losses incurred during the year, $91,603 01 

Percentage of profits or surplus returned during 1892, 80^*^ per cent. 
Average rate to date, 72 T Yo per cent. 



ASHFIELD MUTUAL FIRE INSURANCE COMPANY, 

ASHFIELD. 

[Incorporated June 4, 1873. Commenced business July 19, 1873.] 

CHARLES HOWES, President. nENRY S. RANNEY, Secretary. 

[Note. — Insures property in the town of Ashfield only.] 

Summary of Assets Dec. 31, 1892. 
Loans on personal security, .... $27 27 

Cash in the office of the company, ... 7 00 

Cash deposited in bank, 724 73 

Gross assets, 



Income. 

Cash premiums received during the year, 
Received for interest from all sources, . 

Gross casli income, .... 



$759 00 



$10 73 
28 14 

$38 87 



1892.] 



[NSURANCE COMPANIES. 



EXPENDITURES. 
Paid for State and local taxes. . 

Gross cash expenditures, . 

Miscellaneous 

Risks outstanding Dee. 31, 1891, 
Risks written during 1892, 



Total, .... 
Risks terminated during 1892, 

In force at end of year, 



$0 25 
•0 25 



Amount. Conting't Prem'i. 

$43,656 00 $1,410 98 

2.425 00 72 75 

$46,081 00 $1,483 73 

4,487 00 134 63 

$41,594 00 $1,349 10 



ATLAS MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated April 11, 1392. Commenced business June 15, 1892.] 
JOHN* A. PRAY, Resident. ARTHUR F. JONES, Secretary. 

Office, 70 Kilby Street. 
Summary of Assets Dec. 31, 1892. 



Cash deposited in bank, .... 

Premiums in course of collection (gross), 

Gross assets, 

Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Gross liabilities, .... 

Balance against company, 

Income. 
Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, . 
Received for interest from all sources, . 

Gross cash income, 

Expenditures. 
Paid for losses during the year, 

for brokerage and commissions, 
for State and local taxes, 

Gross cash expenditures, . 



$40,557 05 
18,617 36 



$2,661 86 
59,894 55 



$59,174 41 



62,556 41 
$3,382 00 



$133,313 68 

12,581 50 

$120,732 18 

406 88 



8121,139 06 



$37,175 16 

23,131 97 

961 46 

$61,268 59 



8 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks written during 1892, .$10,977,754 00 $120,732 18 $362,196 54 
Risks terminated during 1892, . 233,000 00 943 07 2,829 21 



In force at end of year, . . $10,744,754 00 $119,789 11 $359,367 33 
Deduct amount re-insured, . 15,000 00 126 47 



Net amount in force, . .$10,729,754 00 $119,662 64 $359,367 33 
Losses incurred during the year, $39,837 02 



ATTLEBOROUGH MUTUAL FIRE INSURANCE COMPANY, 

ATTLEBOROUGH. 

[Incorporated Feb. 24, 1844. Commenced business July 1, 1845.] 

JOSEPH W. CAPRON, President. ELIJAH R. READ, Secretary. 

Permanent fund Dec. 31, 1892, $16,550 59 

Summary of Assets Dec. 31, 1892. 

Loans on mortgage of real estate (first liens), $13,990 00 

Attleborough fire district notes, . . . 9,000 00 

Cash in the office of the company, . . . 113 13 

Cash deposited in bank 4,745 91 

Premiums in course of collection (gross) , 25 25 

Interest accrued, 88 00 

Gross assets, $27,962 29 

Liabilities. 

Unearned premiums on outstanding risks, . $5,223 00 

Incidental expenses, 81 05 

Gross liabilities, 5,304 05 



Net cash assets, $22,658 24 

Income. 

Cash premiums received during the year, .... $2,463 84 

Deduct return premiums, 93 43 



Net cash premiums received, $2,370 41 

Received for interest on mortgages, 428 26 

for interest from all other sources, .... 1,201 11 

from policy fees, 408 00 



Gross cash income, $4,407 78 



1892.] 



INSURANCE COMPANIES. 



Expenditures. 
Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for State and local taxes, .... 

Gross easli expenditures, .... 

Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1891, $1,837,779 00 
Risks written during 1892, . 475,512 00 



Total, $2,313,291 00 

Risks terminated during 1892, . 426,630 00 



In force at end of year, . . $1,886,66100 
Losses incurred during the year, 



^O) • t 


$697 00 

408 00 

250 00 

25 23 


. 


$1,380 23 


Cash Prem's. 

$10,367 06 
2,354 48 


Conting't Prem's. 

$20,734 12 
4,708 96 


$12,721 54 
2,275 54 


$25,443 08 
4,551 08 


$10,446 00 


$20,892 00 


. . 


$697 00 



BARNSTABLE COUNTY MUTUAL FIRE INSURANCE COMPANY, 

YARMOUTH. 

[Incorporated March 2, 1833. Commenced business Aug. 1, 1833.] 
SIMEON ATWOOD, President. FRANK THACHER, Secretary. 

Amount of permanent fund, $57,365 80 



Detailed Statement of Stocks, 

13 shares Winthrop National Bank, Boston, 

20 ■ 

25 ' 

10 ' 

8 ' 

5 ■ 

15 ' 

28 ' 

10 ' 
50 

30 ' 

63 ' 
49 

8 
50 

86 ' 



State National Bank, Boston, . 
Tremont National Bank Boston, 
Massachusetts Nat'l Bank, Boston, 
Shawmut National Bank, Boston, 
Nat'l Bank of the Republic, Boston, 
Natl Bank of Redemption, Boston, 
First National Bank, Yarmouth, 
Falmouth National Bank, 
Massachusetts Real Estate Co., 
Boston Investment Co., 
Old Colony Railroad, 
Union Pacific Railroad, 
Central Pacific Railroad, . 
Atchison, Topeka & Santa Fe R.R., 
National Tube Works Co., 



Fall River city bonds, 



Bonds, etc. 

Par Value. 

$1,300 00 
2,000 00 
2,500 00 
1,000 00 
800 00 
500 00 
1,500 00 
2,800 00 
1,000 00 
5,000 00 
3,000 00 
6,300 00 
5,000 00 
1,000 00 
6,000 00 

10,000 00 
1,000 00 



Market Value. 

$1,442 00 

2,400 00 

2,562 50 

1,050 00 

992 00 

800 00 

1,845 00 

3,920 00 

1,000 00 

5,150 00 

3,000 00 

11,592 00 

1,975 00 

300 00 

2,040 00 

7,421 50 

1,160 00 



10 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Union Pacific Railroad bonds, . 
Old Colony Railroad bonds, 
Iowa Falls & Sioux City Railroad bonds, 
Chicago & E. Illinois Railroad bonds, 
Oregon Short Line stock and bonds, 
Illinois Steel Company bonds, . 
Western farm mortgage bonds, 
First National Bank, Ilyannis, . 
Fitchburg Railroad, 



Par Value. 

$9,000 00 
5,000 00 
2,000 00 
2,500 00 
2,000 00 
1,000 00 
3,400 00 
3,000 00 
1,000 00 



Market Value. 

$9,900 00 
5,400 00 
2,630 00 
2,925 00 
1,857 50 
990 00 
3,400 00 
3,570 00 
1,060 00 



$79,600 00 $80,382 50 



Summary of Assets Dec. 31, 1892. 

Cash value of unencumbered real estate, . $2,000 00 

Loans on mortgage of real estate (first liens), 700 00 

Stocks, bonds, etc., as per schedule, . . 80,382 50 

Loans on personal security, .... 2,286 40 

Cash in the office of the company, . . . 1,026 64 

Cash deposited in bank, 6,503 99 

Interest due and accrued, 1,835 86 

Gross assets, 



$94,735 39 



Liabilities. 

Losses claimed and reported, .... $500 00 

Unearned premiums on outstanding risks, . 57,300 20 

Incidental expenses, 45 50 

Gross liabilities, 



Net cash assets, 



57,845 70 



$36,889 69 



Income. 

Cash premiums received during the year, 
Received for interest on mortgages, 
Received for interest from all other sources, 

Gross cash income, .... 



$28,379 40 

42 00 

4,385 30 



$32,806 70 



Expenditures. 

Paid for losses during the year, .... 
for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies, . 
for incidental expenses, ..... 

Gross cash expenditures, 



$14,525 99 

5,494 00 

273 23 

19,463 61 

512 53 

$40,269 36 



1892.] INSURANCE COMPANIES. 11 

Miscellaneous. 

Amount. Cash Trera's. Conting't Prem's. 

Risks outstanding Dec. 31,1891, $6,691,022 22 $111,038 24 $333,114 72 

Risks written during 1892, . 1,654,199 00 27,901 07 83,703 21 



Total, $8,345,221 22 $138,939 31 $416,817 93 

Risks terminated (hiring 1892, . 1,455,201 00 24,338 90 73,016 70 



Id force at end of year, . . $6,890,020 22 $114,600 41 $343,801 23 

Losses incurred during the year, $15,025 99 

Percentage of profits or surplus returned during 1892, 80 per cent. 
Average rate to date, 80 per cent. 



BERKSHIRE MUTUAL FIRE INSURANCE COMPANY, 

PITTSFIELD. 

[Incorporated March, 1835. Commenced business August, 1835.] 
JABEZ L. PECK, President. JOHN If. STEVENSON, Secretary. 

Amount of permanent fund, $57,271 91 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Western Union Telegraph Co. bonds, . . $5,000 00 $5,570 00 

Chicago & Western Indiana Railroad bonds, . 5,000 00 5,800 00 

Baltimore & Ohio Railroad bonds, . . . 2,000 00 2,220 00 

St. Paul & Sioux City Railroad bonds, . . 1,000 00 1,200 00 

100 shares Boston & Albany Railroad, . . 10,000 00 20,800 00 

50 " Chicago, Burlington &QuincyR.R., 5,000 00 4,900 00 

140 " N. Y. Cent. & Hudson River R.R., . 14,000 00 15,260 00 

19 " New Hampshire Trust Co., . . 1,900 00 2,280 00 

100 " Adams Express Co., . . . 10,000 00 15,000 00 

87 " Pittsfield National Bank, Pittsfield, 8,700 00 13,485 00 

10 " Agricultural Xafl Bank, Pittsfield, 1,000 00 2,500 00 

12 " Third National Bank, Pittsfield, . 1,200 00 2,160 00 

15 " First National Bank, Adams, . . 1,500 00 2,025 00 

16 " Adams Nat'l Bank, North Adams, . 1,600 00 2,160 00 
10 " Lenox National Bank, Lenox, . 1,000 00 1,150 00 



$68,900 00 $96,510 00 

Summary of Assets Dec. 31, 1892. 

Cash value of unencumbered real estate, . $8,500 00 

Stocks, bonds, etc., as per schedule, . . . 96,510 00 

Loans on personal security, .... 2,000 00 

Cash in the office of the company, . . . 1,115 78 

Cash deposited in bank, 1,112 10 

Premiums in course of collection (gross), . 1,550 13 

Interest accrued, 145 02 

Gross assets, . . $110,933 03 



12 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Liabilities. 
Unearned premiums on outstanding risks, 
Returned premiums on cancelled policies, 
Surplus due on terminated policies,. 
Commissions and brokerage, . 
Taxes accrued, ...... 

Gross liabilities, .... 



$52,600 02 

43 60 

749 35 

134 69 

59 25 



$53,586 91 



Net cash assets, 



$57,346 12 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, . 
Received for interest from all sources, 
Received for rents, .... 



$25,392 04 
679 48 



,712 56 

4,467 04 

772 74 



Gross cash income, 



$29,952 34 



Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, 



$7,011 04 

2,653 04 

2,693 20 

290 46 

300 00 

10,531 29 

1,037 23 

$24,516 26 



Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1891,. $7,010,239 00 $97,349 40 $97,349 40 

Risks written during 1892, . 1,883,955 00 25,101 71 25,101 71 



Total, $8,894,194 00 $122,45111 $122,45111 

Risks terminated during 1892, . 1,285,812 00 17,251 08 17,251 08 



In force at end of year, 



.$7,608,382 00 $105,200 03 $105,200 0$ 



Losses incurred during the year, 87,011 04 

Percentage of profits or surplus returned during 1892, 40, 50, 70 per cent. 
Average rate to date, 55 per cent. 



1892.] 



INSURANCE COMPANIES. 



13 



BOSTON MANUFACTURERS' MUTUAL FIRE INSURANCE 
COMPANY, BOSTON. 

[Incorporated March 15, 1850. Commenced business Oct. 15, 1850.] 
EDWARD ATKINSON, President. WILLIAM B. WHITING, Secretary. 

Office, 31 Milk Street. 



Detailed Statement of 

Phila., Wil. £ Baltimore Railroad bonds, 

Chicago, Burl. & Quincy Railroad bonds, 

New York Central Railroad bonds, . 

Bur. & Missouri River Railroad bonds, 

Michigan Central Railroad bonds, 

Old Colony Railroad bonds, 

Pennsylvania Company bonds, 

Boston & Lowell Railroad bonds, 

West Shore Railroad bonds, 

Eastern Railroad bonds, . 

Town of Brookline bonds, 

New Jersey Central Railroad bonds, 

Rome, Watertown & Ogdensburg R.R. bonds, 

Lehigh Valley Railroad bonds, 



Bonds. 

Par Value. 

$40,000 00 
100,000 00 
50,000 00 
30,000 00 
30,000 00 
70,000 00 
30,000 00 
50,000 00 
50,000 00 
25,000 00 
117,000 00 
50,000 00 
50,000 00 
25,000 00 



Market Value. 

$41,200 GO 
98,500 00 
50,000 00 
30,750 00 
33,900 00 
71,800 00 
31,875 00 
50,125 00 
50,935 00 
30,000 00 

117,000 00 
54,685 00 
56,500 00 
28,125 00 



$717,000 00 $745,395 00 



Summary of Assets Dec 

Bonds, as per schedule, .... 

Cash deposited in bank, .... 

Interest due and accrued, .... 

Gross assets, 

Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 

Taxes accrued, 

Gross liabilities, 



Net cash assets, 



31, 1892. 

$745,395 00 
37,539 40 
11,785 77 



$3,266 96 

401,018 94 

1,359 55 



$794,720 17 



405,645 45 
$389,074 72 



Income. 

Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, . 
Received for interest from all sources, . 

Gross cash income, .... 



$811,129 38 
22,393 66 

$788,735 72 
33,460 57 



$822,196 29 



14 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Expenditures. 

Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, 

for inspections, 

for incidental expenses, .... 

Gross cash expenditures, .... 



$65,927 25 

33,126 82 

7,954 19 

1,556 64 

600,698 72 

15,338 7£ 

9,997 74 

£734,600 15 



Miscellaneous. 

Amount. Cash Prem's. Contingt I'rem's. 



Risks outstanding Dec. 31, 1891, $93,528,991 00 $768,963 89 $3,844,819 45 
Risks written during 1892, . 99,228,079 00 811,129 38 4,055,646 90 



Total, . . . $192,757,070 00 $1,580,093 27 $7,900,466 35 

Risks terminated during 1892, . 94,608,161 00 778,055 39 3,890,276 95 



In force at end of year, 



. $98,148,909 00 $802,037 88 $4,010,189 40 



Losses incurred during the year, $58,170 65- 

Percentage of profits or surplus returned during 1892, 79 T 5 6 2 g- per cent. 
Average rate to date, 70 T 6 3 g per cent. 



BRISTOL COUNTY MUTUAL FIRE INSURANCE COMPANY, 

NEW BEDFORD. 



[Incorporated Feb. 29, 1829. Commenced business July 4, 1829.] 

JAMES TAYLOR, President. GEO. N. ALDEN, Secretary. 

[Note. — Policies are all issued for five years, ten per cent, of the premium note being- 
received in cash at the time of issuing the policy. The notes are assessed as necessity requires. 
No cash funds are accumulated.] 

Summary of Assets Dec. 31, 1892. 

Cash in the office of the company, ... $821 

Cash deposited in bank, 228 58 

Premiums in course of collection (gross), . 433 74 

$670 5& 



vjii^aa rtascis, . 


Liabilities. 




Losses adjusted, unpaid, . 




$5,000 00 


Due for borrowed money, 




2,400 00 


Commissions and brokerage, 




59 86 


Taxes accrued, . 




6 97 


Gross liabilities, 







$7,466 83 



1892.] 



INSURANCE COMPANIES. 



15 



Inxome. 

Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, 
Gross cash income, 



Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 
for interest on borrowed money, 
for State and local tax 
for incidental expenses, 



39 cash expenditures, 



MISCELLANEOUS. 



Risks outstanding Dec. 31, 1891, 
Risks written during 1892, 



Total 

Ri-ks terminated during 1892. . 

In force at end of year, . 
Losses incurred during the vear. 



Amount. 

$3,456,296 00 
-75 00 

$3,944,171 00 
626,275 00 

$3,317,896 00 



$3,325 41 

161 34 

$3,164 07 

*3,164 07 



$2,267 11 

172 76 

1,625 00 

85 40 

30 87 

198 84 



84.379 98 



Contlng't Prem'3. 

$393,933 00 
32,950 00 

$426,883 00 
77,219 00 



$349,664 00 
$7,267 11 



CAMBRIDGE MUTUAL FIRE IXSURANXE COMPANY. 

CAMBRIDGE. 

[Incorporated March 13, 1833. Commenced business Jan. 1, 1S34.] 
DANA W. HYDE, President. ALFRED L. BARBOUR, Secretary. 

Amount of permanent fund, £135,469 78 

Detailed Statement of Stocks. Boxds. etc. 

Par Value. Market Value. 

1 share Fraroingham National Bank, . . £100 00 $15 

15 shares National City Bank, Cambridge, * . 1,500 00 2,250 00 

30 shares West End Street Railway. . . 1,500 00 2,550 00 

Eastern Railroad bonds 1,500 00 1,800 00 

Highland Street Railway bonds, . . . 4,000 00 4,400 00 

Cambridge city bonds 2,000 00 2,400 00 

Portland city bonds, 10,000 00 12,200 00 

Belfast city bonds, 2,000 00 2,100 00 

Boston city bonds, 5,000 00 5,150 00 

Boston & Lowell Railroad bonds, . . . 5,000 00 5,150 00 

Fitchburg Railroad bonds, .... 1,000 00 1,000 00 



$33,600 00 $39,150 00 



16 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Summary of Assets Dec. 31, 1892. 



(ash value of unencumbered real estate, $ 59,750 78 

Loans on mortgage of real estate (first liens), 116,783 00 

Stocks, bonds, etc., as per schedule, . . . 39,150 00 

Loans on personal security, .... 2,300 00 

(.'ash in the office of the company, . . . 1,400 35 

('ash deposited in bank, 379 45 

Premiums in course of collection (gross), . 5,477 03 

Interest due and accrued, 3,233 20 

Rents due and accrued, 980 00 

Office furniture and fixtures, . . $ 2,500 00 

Gross assets, 



$229,453 81 



Liabilities. 

Losses adjusted, unpaid, .... 
Due for borrowed money, 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Commissions and brokerage, . 

Gross liabilities, .... 



$850 00 

1,000 00 

100,613 94 

634 90 

383 45 



103,482 29 



Net cash assets, $125,971 52 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, . 
Received for interest on mortgages, 

for interest from all other sources, . 

for rents, 



Gross cash income, 



$65,727 50 
3,081 49 

162,646 01 
3,604 91 
1,853 19 
6,654 98 

$74,759 09 



Expenditures. 



Paid for losses during the year, 

for brokerage and commissions, 
for salaries and fees of officers and 
for State and local taxes, . 
for rents, ..... 
for profits or surplus on terminated 
for repairs on real estate, . 
for incidental expenses, . 

Gross cash expenditures, . 



employees, 
policies, . 



$13,471 45 
8,844 33 
7,370 00 
2,182 69 
1,000 00 
24,311 35 
2,005 81 
2,029 01 

$61,214 64 



1892.] INSURANCE COMPANIES. 17 

Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31,1891, $11,824,936 29 $180,604 53 $180,604 53 

Risks written during 1892, . 4,359,982 00 65,222 51 65,222 51 



Total $16,184,918 29 $245,827 04 $245,827 04 

Risks terminated during 1892, . 3,036,052 00 44,599 15 44,599 15 



In force at end of year, . . $13,118,866 29 $201,227 89 $201,227 89 

Losses incurred during the year, $14,321 45 

Percentage of profits or surplus returned during 1892, 40, 50, 70 per cent. 



CITIZENS' MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated April, 1S46. Commenced business October, 1846.] 
HENRY C. BIGELOW, President. T. WALLACE TRAVI8, Secretary. 

Office, No. S Exchange Place. 

Amount of permanent fund Dec. 31, 1891, .... $172,409 89 
Increase during the year, 2,032 02 



Permanent fund Dec. 31, 1892, $174,441 91 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

30 shares Hide and Leather Nat"l Bank, Boston, $3,000 00 $3,785 00 

15 " Natick National Bank, Natick, . 1,500 00 2,100 00 

10 M FarmingtonNat'lBank,Farmington, 1,000 00 1,000 00 

Butchers' S. and If. Association bonds, . . 4,000 00 4,000 00 

Denver Land and Security Co. bonds, . . 1,800 00 1,800 00 



$11,300 00 $12,685 00 

Summary of Assets Dec. 31, 1892. 

Cash value of unencumbered real estate, . $24,000 00 

Loans on mortgage of real estate (first liens), 264,385 00 

Stocks, bonds, etc , as per schedule, . . . 12,685 00 

Loaus on collateral security, as per schedule, . 9,850 00 

Loans on personal security, .... 4,044 79 

Cash in the office of the company, . . . 371 61 

Cash deposited in bank, 19,222 68 

Premiums in course of collection (gross), . 5,917 19 

Interest accrued, 3,766 79 

Rents accrued, 66 00 

Gross assets, $344,309 06 



18 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Liabilities. 

Unearned premiums on outstanding risks, . $166,266 41 

Surplus due on terminated policies, . . 2,544 65 

Commissions and brokerage, .... 747 21 

Gross liabilities, 



JSet cash assets, 



$169,558 27 



$174,750 79 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, . 

Received for interest on mortgages, 

for interest from all other sources, 
for rents, 



$85,970 25 


3,269 


10 


$82,701 


15 


13,599 


47 


1,383 


15 


592 


18 



Gross cash income, $ 98,275 95 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 
for repairs on real estate, .... 
for incidental expenses, 

Gross cash expenditures, 



$19,483 49 
12,406 86 
7,241 50 
1,155 32 
1,650 00 
43,415 88 
l,n70 87 
3,115 99 

$89,539 91 



Miscellaneous. 

Amount. Cash Prem's. Conllng't Prem's. 

Risks outstanding Dec. 31, 1891, $23,827,924 00 $323,993 79 $323,993 79 

Risks written during 1892, . 6,457,740 00 84,874 19 84,874 19 



Total $30,285,664 00 $408,867 98 $408,867 98 

Risks terminated during 1892,. 5,912,932 00 76,335 16 76,335 16 



In force at end of year, . . $24,372,732 00 $332,532 82 $332,532 82 

Losses incurred during the year, $19,483 49 

Percentage of profits or surplus returned during 1892, 50, 60, 70 per cent. 



1892.] 



INSURANCE COMPANIES. 



19 



(OH ASSET MUTUAL FIRE INSURANCE COMPANY, COHASSET. 

[Incorporated 1845. Commenced business March 1, 1846.] 
LOtJIS N. LINCOLN, Pretident. J. Q. A. LOTHROP, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. 

7 shares City National Bank, Boston, . . . $900 00 
3 shares Merchants 1 National Bank, Boston, . 300 00 



Summary of Assets Dec. 31, 1892. 



Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 
Cash deposited in savings bank, 
Premiums in course of collection (gross), 

Interest due and accrued, 

Office furniture, etc., . . $100 00 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, 

Unearned premiums on outstanding risks, 

Gross liabilities, 

Balance against the compan} 7 , . 

Income. 
Cash premiums received during the year, 
Received for interest from all sources, . 



* 1,359 00 

18 

864 35 

66 28 

28 75 



$150 00 
2,703 94 



Gross cash income, 



Expenditures. 
Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surj:>lus on terminated policies, . 
for incidental expenses, 



Gross cash expenditures, 



Risks outstanding Dec. 31, 1891, 
Risks written during 1892, 



Miscellaneous. 

Amount. 

$364,281 00 
73,580 00 



Market Value. 

$900 00 
459 00 



$1,200 00 $1,359 00 



$2,318 56 



2,853 94 



$535 38 



$1,171 31 
47 87 

$1,219 18 





$600 00 




106 28 


» • 


322 00 




11 73 




431 37 




24 70 




$1,496 08 


Cash Prem's. 


Contlng't Prem's. 


$5,269 06 


$15,807 18 



1,126 51 



Total, 

Risks terminated during 1892, . 

In force at end of year, . 
Losses incurred during the year, 



$437,861 00 
64,980 00 



1,395 57 
987 69 



3,379 53 

$19,186 71 
2,963 07 



$372,881 00 $5,407 88 $16,223 64 
$150 00 



Percentage of profits or surplus returned during 1892, 15, 30, 50 per cent. 



20 



MASSACHUSETTS MUTUAL FIHE [Dec. 31, 



COTTON AND WOOLEN MANUFACTURERS' MUTUAL INSURANCE 

COMPANY, BOSTON. 

[Incorporated Oct. 19, 1875. Commenced business Oct. 20, 1875.] 
H. N. DAGGETT, President. B. F. TAFT, Secretary. 

Office, 31 Milk Street. 



Detailed Statement of Stocks, Bonds, etc. 

Par V T alue. 

Fitchburg Railroad bonds f 1.6,000 00 

Chicago, Burl & Quincy Railroad bonds, . 10,000 00 

Burlington & Missouri River Railroad bonds, . 2,000 00 

Boston city bonds, 2,000 00 

Metropolitan Railroad bonds, .... 15,000 00 

Maine Central Railroad bonds, . . . 21,000 00 

Cheshire Railroad bonds, 27,000 00 

Portland & Ogdensburg Railroad bonds, . 10,000 00 

New York & New England Railroad bonds, . 17,000 00 

Lynn & Boston Railroad bonds, . . . 12,000 00 

Middlesex Railroad bonds, .... 1,000 00 

Highland Street Railroad bonds, . . . 1,000 00 

South Boston Railroad bonds, .... 5,000 00 

Corporation notes, 10,000 00 



Market Value. 

$16,800 00 

10,208 34 

2,085 00 

2,055 00 

15,770 83 

21,708 33 

29,970 00 

10,433 33 

20,697 50 

12,846 66 

1,062 50 

1,035 83 

5,241 66 

10,329 17 



$149,000 00 $160,244 15 



Summary of Assets Dec. 31, 1892. 



Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Due from other companies, 

Gross assets, 

Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 

Taxes accrued, 

Gross liabilities, 



$160,244 15 
5,957 35 
7,537 11 
5,278 12 
1,680 00 



$180,696 73 



Net cash assets, 

Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest from all sources, 

for rents and joint office expenses, 

from salvage on loss, 

Gross cash income, .... 



$17,407 65 

127,490 37 

317 45 



145,215 47 



$35,481 26 



$260,271 64 
11,386 37 



$248,885 27 

10,249 48 

3,921 51 

12 90 

$263,069 16 



1892.] 



INSURANCE COMPANIES. 



21 



EXPENDITUKES. 

Paul for losses during; the year, .... 
for salaries and fees of officers and employees, 

for State and local taxes, 

for rents, ........ 

for profits or surplus on terminated policies, . 
for incidental expenses, 



Gross cash expenditures 

Miscellaneous. 

Amount. 

Risks outstanding Dec 31, 1891, $22,355,991 00 
Risks written during 1892, . 27,847,697 00 



$57,589 89 

7,975 95 

2,832 79 

880 54 

147,747 17 

14,905 84 



Total, $50,203,688 00 

Risks terminated during 1892, . 24,320,575 00 



Cash Prem's. 

$231,101 71 
265,549 76 

$496,651 47 
241,670 73 



$231,932 18 



Conting't Prem's. 

$1,155,508 55 
1,327,748 80 

$2,483,257 35 
1,208,353 65 



.$25,883,113 00 $254,980 74 $1,274,903 70 



In force at end of year, . 

Losses incurred during the year, 

Percentage of profits or surplus returned during 1892, 69 per 
Average rate to date, 69 per cent. 



$74,997 54 
cent. 



DEDHAM MUTUAL FIRE INSURANCE COMPANY, 

DEDHAM. 

[Incorporated Feb. 22, 1837. Commenced business July 1, 1837.] 
GEORGE B. FAUNCE, President. ELIJAH HOWE, Jr., Secretary. 



Amount of permanent fund, 



Detailed Statement of Stocks, 



Philadelphia & Reading Railroad bonds, 

Cincinnati city bonds, .... 

Old Colony Railroad bonds, 

Union Pacific Railroad bonds, . 

Kansas City & Council Bluffs Railroad bonds 

Lombard Investment Company bonds, . 

Western Security Company bonds, . 

N. H. Trust Company bonds, . 

New England Mortgage Security Co. bonds, 

Atchison, Topeka & Santa Fe R.R. bonds, 

Washington County (111.) bonds, 

Salem city bonds, .... 

Boston city bonds, 

12 shares Dedham National Bank, . 

20 u Dedham Water Co., . 

50 " Atch , Topeka & Santa Fe R.R, 

Boston & Lowell Railroad, 



Bonds, etc. 

Par Value. 

$5,000 00 
6,000 00 
2,000 00 

16,000 00 
2,000 00 
5,000 00 
6,000 00 
5,000 00 
8,000 00 

17,500 00 
5,000 00 
3,000 00 
2,000 00 
1,200 00 
2,000 00 
5,000 00 

10,000 00 



$89,765 77 



Market Value. 

$5,250 00 
7,320 00 
2,000 00 

15,750 00 
2,300 00 
4,750 00 
5,700 00 
4,750 00 
7,600 00 

12,440 00 
5,000 00 
3,242 10 
2,040 00 
1,260 00 
2,000 00 
1,650 00 

10,225 00 



$100,700 00 $93,277 10 



22 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Summary of Assets Dec. 31, 1892. 



-Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, 

Gross assets, 

Liabilities. 
Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, . 
Surplus due on terminated policies, 
Commissions and brokerage, . 

Gross liabilities, .... 

Net cash assets, . 

Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 

Received for interest on mortgages, 

for interest from all other sources, 
for profit on bonds sold, . 

Gross cash income, .... 



$25,400 00 

93,277 10 

5,619 94 

2,432 97 

2,453 02 



$55 84 

28,073 06 

69 03 

2,706 25 

364 94 



$129,183 03 



31,269 12 
$97,913 91 



$18,748 20 
404 75 

$18,343 45 

1,078 00 

5,259 38 

50 00 

$24,730 83 



Expenditures. 
Cash paid for losses, 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for State and local taxes, . 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, . 

Gross cash expenditures, . 



$3,678 51 

2,746 00 

2,993 42 

231 91 

110 00 

7,346 79 

580 64 

$17,687 27 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31,1891, $3,379,361 49 
Risks written during 1892, . 1,337,813 33 



Total, 

Risks terminated during 1892, . 

Id force at end of year, 

Losses incurred during the year, 



54,717,174 82 
1,038,945 79 



Cash Prem's. Conting't Frem'3. 

$52,544 89 $52,358 45 
19,963 88 19,786 36 



$72,508 77 
16,362 64 



$72,144 81 
16,154 69 



$3,678,229 03 $56,146 13 $55,990 12 
$1,286 20 



Percentage of profits or surplus returned during 1892, 33£, 50, 70 per cent. 



1892.] 



INSURANCE COMPANIES. 



23 



DORCHESTER MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated February, 1855. Commenced business July 2, 1855.] 
THOMAS F. TESirLE, President. W. D. C. CURTIS, Secretary. 

Office, Neponset. 



Amount of permanent fund Dec. 31, 1891, 
Increase during the year, .... 

Permanent fund Dec. 31, 1892, 

Detailed Statement of Stocks, 



Fitcbburg Railroad bonds, 

Boston & Lowell Railroad bonds, . 

Old Colony Railroad bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

Detroit, Lansing & Northern R.R. bonds, 

South Boston Horse Railroad bonds, 

Metropolitan Horse Railroad bonds, 

Cambridge Horse Railroad bonds, . 

304 shares Boston & Albany Railroad, 

273 ' 

56 ' 

75 ' 
100 ' 

50 ' 

50 ' 

56 ' 

20 

20 

12 

10 

30 

33 
5 

10 

10 



. 8177,644 45 
10,000 00 



. $187,644 45 



Old Colony Railroad, 
Boston & Lowell Railroad, 
Boston & Maine Railroad, 
Boston Lead MTg Company, 
International Trust Company, 
Boston National Bank, . 
Blue Hill National Bank, 
Howard National Bank, . 
Continental National Bank, . 
Hide and Leather National Bank, 
New England National Bank, 
Columbian National Bank, 
State National Bank, 
Granite National Bank, . 
Mt. Wollaston National Bank, 
Weymouth National Bank, 



Bonds, etc. 

Par Value. 

$32,000 00 
5,000 00 
6,000 00 

10,000 00 
7,000 00 
5,000 00 
5,000 00 
6,000 00 

30,400 00 

27,300 00 
5,600 00 
7,500 00 

10,000 00 
5,000 00 
5,000 00 
5,600 00 
2,000 00 
2,000 00 
1,200 00 
1,000 00 
3,000 00 
3,300 00 
500 00 
1,000 00 
1,000 00 



Market Value. 

$33,860 00 

5,250 00 

6,420 00 

9,500 00 

7,542 00 

5,150 00 

5,225 00 

6,150 00 

64,448 00 

50,778 00 

10,584 00 

12,750 00 

15,000 00 

10,000 00 

5,800 00 

5,880 00 

2,180 00 

2,540 00 

1,524 00 

1,610 00 

3,210 00 

4,125 00 

650 00 

1,400 00 

1,200 00 



$187,400 00 $272,776 00 



Summary of Assets Dec. 31, 1892. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Gross assets, 



$22,000 00 
25,088 13 

272,776 00 

22,043 04 

16,005 66 

2,476 35 



$360,389 18 



24 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Liabilities. 

Unearned premiums on outstanding risks, . $187,202 42 

Gross liabilities, $187,202 42 

Net cash assets, $173,186 76 

Income. 

Cash premiums received during the year, . . . $136,219 22 

Deduct return premiums, 3,371 11 

Net cash premiums received, $132,848 11 

Received for interest on mortgages, 1,437 79 

for interest from all other sources, .... 12,784 87 

for rents, . 1,143 10 

Gross cash income, $148,213 87 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 
for State and local taxes, ..... 

for rents, 

for profits or surplus on terminated policies, . 

for incidental expenses, 

for repairs of real estate, .... 

Gross cash expenditures, 



$46,067 35 

21,451 05 

5,818 98 

1,902 24 

300 00 

53,604 15 

3,731 26 

1,237 43 



$134,112 46 



Miscellaneous. 

Amount. Cash Prem'8. 

Risks outstanding Dec 31, 1891, $21,875,859 00 $344,461 30 

Risks written during 1892J . 9,085,500 00 137,081 86 



Total, . . . .$30,961,359 00 $481,543 16 

Risks terminated during 1892,. 6,718,852 00 107,138 33 



Conting'trrem's. 

$344,461 30 
137,081 86 

$481,543 16 
107,138 33 



In force at end of year, 



. $24,242,507 CO $374,404 83 $374,404 83 



Losses incurred during the year, $46,067 35 

Percentage of profits or surplus returned during 1892, 25, 50, 75 per cent. 
Average rate to date, 50 per cent. 



1892.] 



INSURANCE COMPANIES. 



25 



ESSEX MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[Incorporated 1829. Commenced business 1829.] 
DAVID MOORE, President. CHARLES H. ODELL, Secretary. 

Amount of permanent fund, $51,152 23 



Detailed Statement of Stocks, 



City of Cleveland bonds, . 

City of Concord bonds, 

Old Colony Railroad bonds, 

Hyde Park (111 ) bonds, . 

Boston & Albany Railroad bonds, . 

St. Louis County bonds, . 

American Investment Company bonds, 

St. Louis City bonds. 

City of Cincinnati bonds, . 

City of Brooklyn bonds, . 

City of Springfield bonds, 

Chieago, Burlington & Quincy R.R. bonds, 

Eastern Railroad bonds, . 

Northern Pacific Railroad bonds, 

Oregon Improvement bonds, . 

It shares Asiatic National Bank, 

14: " Salem National Bank, 

16 " Lynn Gas and Electric Co., 

Cleveland & Canton Railroad bonds, 

City of Missoula (Mont.) bonds, 

Duluth Transfer Railroad Co. bonds, 



Bonds, etc. 

Par Value. 

$1,000 00 
1,000 00 
2,000 00 
1,000 00 
1,000 00 
1,000 00 
1,500 00 
1,000 00 
1,000 00 
1,000 00 
1,000 00 
2,000 00 
2,000 00 
1,000 00 
5,000 00 
' 330 00 
1,400 00 
1,600 00 
5,000 00 
4,000 00 
3,000 00 



Summary of Assets Dec. 31, 1892. 



Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 

Interest accrued, 

Gross assets, 

Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Commissions and brokerage, . 

Taxes accrued, 

Gross liabilities, 

Net cash assets, .... 



$25,950 00 

40,450 50 

2,102 66 

3,639 60 

5,488 03 

862 50 



$50 00 

17,878 03 

716 48 

857 12 

41 12 



Market Value. 

$1,020 00 

1,040 00 

2.150 00 

1,080 00 

1,050 00 

1,052 50 

1,500 00 

1,080 00 

1,240 00 

1,185 00 

1,280 00 

2,090 00 

2,412 50 

1,152 50 

5,125 00 

363 00 

1,820 00 

2,400 00 

4,250 00 

4,160 00 

3,000 00 



$37,830 00 $40,450 50 



$78,493 29 



19,542 75 
$58,950 54 



26 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 
Cash premiums received during the year, 
Deduct return premiums, . 



Not cash premiums received, . 
Received for interest on mortjniofes, 
Received for interest from all other sources, 



$22,159 00 
1,832 67 

$20,326 33 
1,319 93 
2,264 27 



Gross cash income, $23,910 53 



Expenditures. 
Paid for losses during the }'ear, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies, . 
for incidental expenses, 



Gross cash expenditures, . 



Risks outstanding Dec. 31, 1891 
Risks written during 1892, 



Miscellaneous. 

Amount. 

$1,251,528 50 
1,462,853 00 



Total, .... 
Risks terminated during 1892, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



$2,714,381 50 
647,348 50 

$2,067,033 00 
15,800 00 



Cash Trem's. 

$22,601 47 
22,159 00 

$44,760 47 
8,854 96 

$35,905 51 
149 45 



$2,479 02 

2,630 60 

1,653 67 

242 33 

2,856 63 

767 04 

$10,629 29 



Conting't Prem's. 

$22,601 47 

22,159 00 

$44,760 47 

8,854 96 

$35,905 51 

149 45 



$2,051,233 00 $35,756 06 $35,756 06 



Losses incurred during the year, $2,529 02 

Percentage of profits or surplus returned during 1892, 25, 50, 70 per cent. 



FALL RIVER MANUFACTURERS' MUTUAL INSURANCE 
COMPANY, FALL RIVER. 

[Incorporated Feb. 11, 1870. Commenced business May 1, 1870.] 
TnOMAS J. BORDEN, President. CHARLES S. WARING, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

I'ar Value. Market Value. 

Old Colony Railroad bonds, .... $30,00000 $31,10000 
Fitchburg Railroad bonds, .... 10,000 00 9,900 00 

Chicago, BurlingtoD & Quiney R.R. bonds, . 32,000 00 30,695 00 



1892.] 



INSURANCE COMPANIES. 



27 



Boston A Lowell Railroad bonds, 
Atchison, Topeka & Santa Fe R.R. bonds, 
Concord A Montreal Railroad bonds, 
Phila., Wilmington & Baltimore R.R. bonds, 
West End Street Railway bonds, 
Fall River city bonds, 
Lawrence city bonds, 
Boston city bonds, 
Taunton city bonds, . 
Corporation notes, 



Par Value, 

$30,000 00 
5,500 00 

15,000 00 
20,000 00 
15,000 00 

6,000 00 

5,000 00 

5,000 00 

10,000 00 

82,000 00 



Market Value. 

$30,000 00 

4,455 00 

15,000 00 

20,200 00 

15,600 00 

7,180 00 

5,150 00 

5,150 00 

10,200 00 

82,000 00 



$265,500 00 $266,630 00 



Simmary of Assets Dec. 31, 1892. 

Stocks, bonds, etc., as per schedule, . . $266,630 00 

Cash in the office of the company, . . . 570 51 

Cash deposited in bank, 15,916 59 

Premiums in course of collection (gross), . 2,045 15 

Interest accrued, 2,950 93 

Gross assets, 

Liabilities. 

Losses claimed and reported, .... $2,253 45 

Unearned premiums on outstanding risks, . 144,417 49 

Taxes accrued, 545 44 

Gross liabilities, 



$288,113 18 



147,216 38 



Xet cash assets, $140,896 80 



Income. 

Cash premiums received during the year 
Deduct return premiums, 

Net cash premiums received, . 
Received for interest from all sources, 

Gross cash income, . 



Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, 
for inspections, ...... 

for incidental expenses, .... 



$293,966 67 
6,775 70 

$287,190 97 
12,471 39 



$299,662 36 



$36,636 93 

8,745 29 

2,860 77 

466 66 

202,912 30 
4,747 93 
1,362 88 



Gross cash expenditures, . 



$257,732 76 



28 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Miscellaneous. 

Amount. Cash Prem'8. Conting't Preni's. 

Risks outstanding Dec. 31,1891,828,951,084 63 $269,947 73 $1,349,738 65 

Risks written during 1892, . 31,921,630 83 295,249 32 1,476,246 60 



Total $60,875,715 46 $565,197 05 $2,825,985 25 

Risks terminated during 1892, . 29,559,829 49 276,362 08 1,381,810 40 



In force at end of year, 



$1,315,885 97 $288,834 97 $1,444,174 85 



Losses incurred during the year, $35,550 42 

Percentage of profits or surplus returned during 1892, 75^0 per cent. 
Average rate to date, 68 I 6 2 per cent. 



FITCHBURG MUTUAL FIRE INSURANCE COMPANY, 

FITCHJBURG. 

[Incorporated March 23, 1847. Commenced business Sept. 1, 1847.] 
AMA8A NORCROSS, President. EDWARD P. DOWNE, Secretary. 

Amount of permanent fund, $106,226 56 



Detailed Statement of Stocks, 



City of Fitchburg bonds, . 

Old Colony Railroad bonds, 

Cheshire Railroad bonds, . 

Fitchburg Railroad bonds, 

Maine Central Railroad bonds, 

Kansas Investment Co. bonds, . 

Minnesota Thresher Manufacturing Co. bonds 

C. N. Nelson Lumber Co. bonds, 

10 shares Fitchburg National bank, 

20 « 

20 ■ 

10 « 

15 ' 
100 ' 
227 ' 



Rollstone National Bank, 
Old Colony Railroad, 
Fitchburg Railroad, 
Springfield Safe Deposit Co., 
Ashburnham National Bank, 
Minnesota Thresher Manuf. Co., 



Fitchburg Savings Bank book, 



Bonds, etc. 

Par Value. 

$5,000 00 

5,000 00 

9,000 00 

5,000 00 

5,000 00 

10,000 00 

24,000 00 

3,000 00 

1,000 00 

2,000 00 

2,000 00 

1,000 00 

1,500 00 

10,000 00 

11,350 00 

1,000 00 



Market Value. 

$5,000 00 

5,000 00 

9,450 00 

5,000 00 

5,000 00 

10,000 00 

24,000 00 

3,000 00 

1,500 00 

3,000 00 

3,720 00 

830 00 

1,500 00 

10,000 00 

11,350 00 

1,000 00 



$95,850 00 $99,350 00 



Summary of Assets Dec. 31, 1892. 

Cash value of unencumbered real estate, . $12,000 00 
Loans on mortgage of real estate (first liens), 98,368 00 

Stocks, bonds, etc., as per schedule, . . 99,350 00 



1892.] 



INSURANCE COMPANIES. 



29 



Loans on collateral security, as per schedule, 
Loans on personal security, . ... 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, . 

Gross assets, ..... 



$15,900 00 

14,143 00 

775 60 

26,257 36 

14,130 00 

1,811 75 



$282,735 71 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Rents, salaries and incidental expenses, . 
Gross liabilities, .... 

Net cash assets, 



$11,328 21 
3,020 00 
1,349 27 

184,162 78 
2,970 00 
1,226 59 



204,056 85 



$78,678 86 



Income. 
Cash premiums received during the year, 
Received for interest from all sources, . 

Gross cash income, .... 



$159,760 85 
11,983 68 



$171,744 53 



Expenditures. 

Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for State and local taxes, . 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, . 

Gross cash expenditures, . 



$79,756 30 

24,100 18 

8,305 30 

1,434 89 

700 00 

48,103 80 

6,099 91 

$168,500 38 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1891, $22,187,594 00 
Risks written during 1892, . 10,619,865 00 



Total, 132,807,459 00 

Risks terminated during 1892, . 8,990,637 00 



Cash Prem's. 

$343,275 66 
158,441 79 

$501,717 45 
133,391 33 



Conting't Prem's. 

$343,275 66 
158,441 79 



$501,717 45 
133,391 33 



In force at end of year, . .$23,816,822 00 $368,326 12 $368,326 12 

Losses incurred during the year, $80,506 30 

Percentage of profits or surplus returned during 1892, 20, 40, 60 per cent. 



30 



MASSACHUSETTS MUTUAL FIRE [Dec 31, 



FRANKLIN MUTUAL FIRE INSURANCE COMPANY, 

GREENFIELD. 

[Incorporated Feb. 11, 1828. Commenced business Sept. 29, 1829.] 
NELSON BURROWS, President. JOHN D. BOWKER, Secretary. 

Amount of permanent fund, $4,524 52 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. 

$ 11,000 00 

2,500 00 

900 00 

600 00 



Vermont & Massachusetts Railroad bonds, 
50 shares Greenfield Gas Light Co., 
9 " Shelburne Falls National Bank, 
6 " Franklin County National Bank, 



Summary of Assets Dec. 31, 
Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, . 
Cash in the office of the company, . 

Cash deposited in bank, 

Premiums in course of collection (gross), 

Interest due and accrued, 

Rents due and accrued, 

OflSce furniture, .... $500 00 
Gross assets, . . . . 



Liabilities. 

Losses claimed and reported, . 
Due for borrowed money, 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Commissions and brokerage, . 
Rents, salaries and incidental expenses, . 
Gross liabilities, .... 

Balance against the company, . 

Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, . 
Received for interest on mortgages, 
Received for interest from all other sources, 

Gross cash income, .... 



Market Value. 

$12,100 00 

2,500 00 

1,260 00 

624 00 



$15,000 00 $ 16,484 00 

1892. 

$1,000 00 

600 00 

16,484 00 

270 31 

1,033 79 

2,411 79 

3,781 16 

182 88 

50 00 

— $25,813 93 



$1,050 00 

7,687 50 

16,346 20 

293 99 

567 17 

483 61 
26,428 47 



$614 54 



$16,130 28 

1,288 87 

$14,841 41 

36 00 

663 72 

$15,541 13 



1892.] 



INSURANCE COMPANIES. 



31 



Expenditures. 

Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for interest on borrowed money, 

for State and local taxes, .... 

for rents 

for profits or surplus on terminated policies, 
for incidental expenses, .... 

Gross cash expenditures, .... 



$8,361 


52 


2,418 


28 


1,800 


00 


126 


50 


144 


13 


150 


00 


2,774 84 


496 


54 


$16,271 


81 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1891, $2,727,199 00 



Cash Prem's. Conting't Prem's. 

$32,280 68 $32,280 68 



Risks written during 1892, 

Total 

Risks terminated during 1892, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



1,180,936 00 16,130 28 16,130 28 



13,908,135 00 
1,198,368 00 

$2,709,767 00 
5,200 00 



$48,410 96 
15,642 37 

$32,768 59 
76 19 



$48,410 96 
15,642 37 



$2,704,567 00 $32,692 40 



$32,768 59 



$9,411 52 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1892, 20 and 25 per cent. 



GROVELAND MUTUAL FIRE INSURANCE COMPANY, 

GROVELAND. 

[Incorporated March 28, 1828. Commenced business March 28, 1828.] 

MOSES FOSTER, President. NATHANIEL H. GRIFFITH, Secretary. 

[Note. — This company charges no cash premiums, but relies upon assessments on deposit 
notes to pay losses and expenses.] 



Summary of Assets Dec. 31, 1892. 

Cash in the oflice of the company, . . . $90 97 
Gross assets, 



Liabilities. 



Due for borrowed money, 
Gross liabilities, 



$2,900 00 



Income. 

Received from assessments on deposit notes or contingent 

premiums, 

Received from all other sources, 

Gross cash income, 



$90 97 



$2,900 00 



$373 66 
195 00 

$568 66 



32 



MASSACHUSETTS MUTUAL FIRE [Dec. 31 



Expenditures. 

Paid for losses during the year, .... 
for salaries and fee* of offieers and employees, 
for interest on borrowed money, 
for Statu and local taxes, . 

for rents, 

for incidental expenses, . 



Gross cash expenditures, 



Miscellaneous 



Risks outstanding Dec. 31, 1891, 
Risks written during 1892, 



Total, 

Risks terminated during 1892, . 

In force at end of year, . 
Losses incurred during the year, 



$1,682 08 

460 44 

74 50 

3 87 

25 00 

30 00 

$2,275 89 



Amount. Conting't Prem'8. 

$1,635,991 00 $116,850 41 
350,785 00 24,525 00 



,986,776 00 $141,375 41 
338,574 00 23,771 55 



$1,648,202 00 $117,603 86 
$1,682 08 



HAMPSHIRE MUTUAL FIRE INSURANCE COMPANY, 

NORTHAMPTON. ' 

[Incorporated March 6, 1830. Commenced business July 1, 1832.] 
CHARLES N. CLARK, President. OLIVER WALKER, Secretary. 

Permanent fund Dec. 31, 1891, ' $27,523 66 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. 

63 shares Connecticut River Railroad, . . $6,300 00 

21 " Chicago, Burlington & Quincy R.R , 2,400 00 

20 " Northampton National Bank, . . 2,000 00 

Chicago, Burlington and Quincy R.R. bonds, . 400 00 

Kansas Pacific Railroad bonds, . . . 5,000 00 



Summary of Assets Dec. 31, 1892. 



Loans on mortgage of real estate (first 1 
Stocks, bonds, etc., as per schedule, 
Cash in the ollice of the company, 
Cash deposited in bank, . 
Interest accrued, 
Oiiice furniture, etc , 
Gross assets, 



iens), 



$20,400 00 

27,960 00 

6 14 

2,332 08 

691 21 



$400 00 



Market Value. 

$16,380 CO 

2,340 00 

3,400 00 

415 00 

5,425 00 



$16,100 00 $27,960 00 



$51,389 43 



1892.] 



INSURANCE COMPANIES. 



33 



Liabilities. 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 

Due for taxes, 

Gross liabiliti .... 

Net cash assets, .... 



$30,031 22 

106 58 

21 75 



$30,159 55 



$21,229 88 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest on mortgages, 

for interest from all other sources, 

from all other sources, 

Gross cash income, .... 



$12,021 65 
531 48 


$11,490 17 

1,077 17 

1,138 13 

3 25 


$13,708 72 






Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, 



Miscellaneous. 

Amount. 

Risks outstanding Dee. 31, 1891, $4,045,046 00 
Risks written during 1892, . 842,320 00 



Total, .... 
Risks terminated during 1892, . 



$6,025 86 


1,197 81 


1,458 00 


116 87 


150 00 


4,521 54 


267 16 


$13,737 24 



Cash Prem's. Contlng't Prera's. 

$58,165 39 $58,165 39 



12,021 65 



12,021 65 



. $4,887,366 00 
833,157 00 


$70,187 04 
10,124 61 


$70,187 04 
10,124 61 


. $4,054,209 00 
r, . 


$60,062 43 


$60,062 43 
$6,025 86 



In force at end of year, 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1892, 50 per cent. 

Average rate to date, 50 per cent. 



Si 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



HINGHAM .MUTUAL FIRE INSURANCE COMPANY, HINGHAM. 

[Incorporated March 4, 1826. Commenced business Sept. 1, 1826.] 
AMOS BATES, J'residmt. HENRY W. CUSBING, Secretary. 



Amount of permanent fund Dec. 31, 1891, 
Increase during the year, .... 

Permanent fund Dec. 31, 1892, . 



$178,050 03 
U,992 95 

8193,042 98 



57 sh 



Detailed Statement of Stocks, 



ires Hingham National Bank, Hingham, 



60 " Old Colony Nat'l Bank, Plymouth, . 
8 " Abington National Bank, Abington, 

10 " Globe National Bank, Boston, 

19 " Hamilton National Bank, Boston, 
29 " Eagle National Bank, Boston, 
12 " Union National Bank, Boston, 
34 " State National Bank, Boston, . 
26 " North America Nafl Bank, Boston 

11 " Commerce National Bank, Boston, 
45 " Webster National Bank, Boston, 
50 " Hingham Water Company, . 

92 " Old Colony Railroad, 
109 " Boston & Albany Railroad, 

25 " Chicago, Burlington & Quincy R.R. 
Boston & Maine Railroad bonds, 
Eastern Railroad bonds, .... 
Union Pacific Railroad bonds, . 
Chicago, Burlington & Quincy Railroad bonds 
Hingham Water Company bonds, . 
Hull town note, 



Bonds, etc. 

Par Value. 

$3,990 00 
6,000 00 

800 00 

1,000 00 

1,900 00 

2,900 00 

1,200 00 

3,400 00 

2,600 00 

1,100 00 

4,500 00 

5,000 00 

9,200 00 

10,900 00 

2,500 00 

10,000 00 

5,000 00 

5,000 00 

5,600 00 

10,000 00 

3,500 00 



Market Value. 

$4,275 00 
9,000 00 

1,040 00 

1,000 00 

2,225 00 

2,827 50 

1,656 00 

4,207 50 

3,224 00 

1,408 00 

4,387 50 

6,000 00 

16,950 00 

22,672 00 

2,450 00 

10,000 00 

6,012 50 

5.350 00 

6,597 50 

10,000 00 

3,500 00 



$96,090 00 $124,782 50 



Summary of Assets Dec. 31, 1892. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course ot collection (gross), 
Interest due and accrued, .... 
Rents due and accrued, .... 
Gross assets, 



$9,500 00 

106,550 00 

124,782 50 

116,600 00 

1,174 37 

17,934 79 

2,515 65 

6,324 37 

175 00 



$385,556 68 



1802.] 



INSURANCE COMPANIES. 



35 



Liabilities. 

Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Commissions and brokerage, . 
Rents, salaries and incidental expenses, . 
Gross liabilities, .... 



Net cash assets, $193,042 98 



$100 00 




150 00 




188,529 32 




3,239 03 




377 35 




118 00 






$192,513 70 





Income. 

Cash premiums received during the year, 
Received for interest on mortgages, 

for interest from all other sources, 

for rents, 

from all other sources, 

Gross cash income, .... 



$116,227 86 

5,169 03 

11,257 77 

415 00 

300 00 



$133,369 66 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, 



$22,945 54 

16,504 27 

4,414 33 

1,280 42 

73,372 73 

1,132 12 



$119,649 41 



Miscellaneous. 



Risks outstanding Dec. 31, 1891, 
Risks written during 1892, 

Total 

Risks terminated during 1892, . 

In force at end of year, . 



Amount. Cash Prem's. 

$25,386,728 $379,784 38 
7,743,994 116,227 86 



$33,130,722 $496,012 24 
7,231,066 109,759 23 



Conting't Prem's. 

$370,507 93 
114,029 46 



$484,537 39 
107,478 74 



$25,899,656 $386,253 01 $377,058 65 



Losses incurred during the year, $22,795 54 

Percentage of profits or surplus returned during 1892, 50, 65, 70 per cent. 
Average rate to date, 65 to 75 per cent. 



36 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



HOLTOKE MUTUAL FIRE INSURANCE COMPANY, 

SALEM. 

[Incorporated March 14, 1843. Commenced business May 23, 1843.] 

CHARLES H. FRICE, President. WALTER L. HARRIS, Secretary. 

THOS. H. JOHNSON, Vice-Prtsident. 



Guaranty Capital, $100,000. 

Amount of permanent fund Dec. 31, 1891, 
Increase during the year, 

Permanent fund Dec. 31, 1892, 



$490,223 70 
3,881 70 



$494,105 40 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Marion County (Ind.) bonds, .... $5,000 00 $5,600 00 

Washington County (111.) bonds, . . . 2,000 00 2,155 00 

Boston (Mass.) city bonds, .... 5,000 00 5,100 00 

Birmingham (Ala.) city bonds, . . . 5,000 00 5,200 00 

Cincinnati (Ohio) city bonds, .... 16,000 00 19,612 50 

Columbus (Ohio) city bonds 10,000 00 10,275 00 

Cleveland (Ohio) city bonds, .... 13,00000 14,01250 

Chicago (111 ) city bonds, .... 6,00000 6,27500 

Des Moines (Iowa) city bonds, . . . 7,000 00 7,000 00 

Evansville (Ind) city bonds, .... 6,00000 6,00000 

Jeffersonville (Ind.) city bonds, . . . 7,000 00 8,050 00 

Lynn (Mass.) city bonds, 8,000 00 8,320 00 

Lawrence (Mass.) city bonds, .... 5,000 00 5,137 50 

Maiden (Mass.) city bonds, .... 10,000 00 10,100 00 

Milwaukee (Wis) city bonds, .... 5,000 00 5,400 00 

Minneapolis (Minn.) city bonds, . . . 5,000 00 5,137 50 

Omaha (Neb.) city bonds, .... 24,500 00 25,602 25 

St. Louis (Mo ) city bonds, .... 5,000 00 5,487 50 

St. Paul (Minn.) city bonds, .... 25,000 00 26,825 00 

Atchison, Topeka & Santa Fe Railroad bonds, 17,000 00 12,455 00 

Boston & Maine Railroad bonds, . . . 10,000 00 10,000 00 

Baltimore & Ohio Railroad bonds, . . . 10,000 00 11,800 00 

Burlington & Missouri River R.R. (Neb.) bonds, 10,000 00 9,000 00 

Cincinnati, Hamilton & Dayton Railroad bonds, 10,000 00 10,200 00 

Chesapeake & Ohio Railroad bonds, . . 10,000 00 11,700 00 

Chicago, Burlington & Quincy R.R. bonds, . 16,500 00 19,635 00 

Chicago, Burlington & Northern R.R. bonds, . 10,000 00 10,100 00 

Chicago & Alton Railroad bonds, . . • 5,000 00 5,850 00 

Chicago & Eastern Illinois Railroad bonds, . 5,000 00 5,600 00 

Chicago & West Indiana Railroad bonds, . 8,000 00 9,280 00 

Central Pacific Railroad bonds, . . . 7,000 00 7,525 00 

Central New Jersey Railroad bonds, . . 7,000 00 7,805 00 

Eastern Railroad bunds, 10,000 00 11,900 00 

Easl Middleses Street Railroad bonds, . . 10,000 00 10,200 00 



1802.] 



INSURANCE COMPANIES. 



37 



Ilousatonie Railroad bonds, 

Jackson, Lansing & Saginaw Railroad bonds 

Kansas City, St. Jo. & C. B. Railroad bonds, 

Kansas City, Ft. S. & Memphis R.R. bonds, 

Lehigh Valley Railroad bonds, 

New York & New England Railroad bonds, 

New Haven & Derby Railroad bonds, 

Northwestern Union Railroad bonds, 

Terra Haute & So. Eastern Railroad bonds, 

Utah and Northern Railroad bonds, 

Union Pacific Railroad bonds, . 

Consolidated Vermont Railroad bonds, . 

Boston Building Co., Denver, Col., bonds, 

Col. M. S. Exchange, Denver, Col., bonds, 

Delaware & Hudson Canal Company bonds, 

Keokuk Water Company bonds, 

Western Union Telegraph Company bonds, 

31 shares Old Colony Railroad, 

50 " Portland, Portsmouth & Saeo R.R. 
100 " Pitts., Ft. Worth & Chicago R.R., 

40 " National Exchange Bank, Salem, 
10 " First National Bank, Salem, . 

10 " Merchants 1 National Bank, Salem, 
35 " Mercantile National Bank, Salem, 

41 " Naumkeag National Bank, Salem, 
140 " Salem National Bank, Salem, 

30 " Atlantic National Bank, Boston, 
15 " Blackstone National Bank, Boston 

31 " Continental National Bank, Boston 
50 " Freeman's National Bank, Boston, 
30 " Globe National Bank, Boston, 

100 " Merchants' National Bank, Boston 
50 " Republic National Bank, Boston, 
30 " Revere National Bank, Boston, 

100 " Second National Bank, Boston, 
40 " Shoe and Leather Natl Bank, Boston 
10 " Beverly National Bank, Beverly, 
20 " So. Danvers Natl Bank, Peabody, 
12 " First National Bank, Newburyport 



Par Value. 

f 10,000 00 
6,000 00 
5,000 00 
8,000 00 
5,000 00 

15,000 00 

20,000 00 
8,000 00 
5,000 00 

10,000 00 

28,000 00 
2,000 00 

10,000 00 

10,000 00 
5,000 00 

10,000 00 
5,000 00 
3,100 00 
5,000 00 

10,000 00 
4,000 00 
1,000 00 
500 00 
3,500 00 
4,100 00 

14,000 00 
3,000 00 
1,500 00 
3,100 00 
5,000 00 
3,000 00 

10,000 00 
5,000 00 
3,000 00 

10,000 00 
4,000 00 
1,000 00 
2,000 00 
1,200 00 



Market Value. 

811,400 00 
6,240 00 
6,050 00 
8,020 00 
6,375 00 

17,445 00 

22,000 00 

10,560 00 
4,750 00 
7,000 00 

29,390 00 
1,890 00 

10,100 00 

10,000 00 
6,850 00 

10,000 00 
5,325 00 
5,766 00 
6,500 00 

15,300 00 
4,280 00 
1,170 00 
682 50 
4,340 00 
5,668 25 

18,200 00 
4,020 00 
1,455 00 
3,890 50 
5,000 00 
3,000 00 

14,600 00 
8,025 00 
4,150 00 

19,200 00 
3,780 00 • 
1,500 00 
2,585 00 
1,500 00 



$574,000 00 $642,347 00 



Summary of Assets Dec. 31, 1892. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens) 
Stocks, bonds, etc., as per schedule, . 
Loans on personal security, as per schedule, 
Cash in the office of the company, . 



$46,150 00 

128,400 00 

642,347 00 

1,200 00 

8,126 47 



38 



.MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Cash deposited in bank, .... 
Premiums in coarse of collection (gross), 
Interest due and accrued, .... 
Rents due and accrued, .... 
Gross assets, ..... 



$9,796 93 

769 57 

9,657 01 

112 50 



$846,559 51 



Liabilities. 

Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, .... 



$1,157 00 

2,000 00 

254,631 53 

101 78 



257,890 31 



Net cash assets, $588,669 20 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 

Received for interest on mortgages, 

for interest from all other sources, 
for rents, 



$151,266 07 
10,172 00 

$141,094 07 

7,093 75 

34,495 00 

2,434 83 



Gross cash income, 



$185,117 65 



Expenditures. 
Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for State and local taxes, .... 

for profits or surplus on terminated policies, 

for dividends on guaranty capital, . 

for incidental expenses, .... 

Gross cash expenditures, .... 



$52,574 52 

21,481 11 

15,000 06 

1,483 12 

71,655 22 

7,000 00 

4,517 71 

$173,711 74 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31,1891, $35,175,101 00 
Risks written during 1892, . 10,486,496 00 

Total, .... 
Risks terminated during 1892, 

In force at end of year, . 



$45,661,597 00 
10,180,035 00 



Cash Prem'8. 

$501,258 81 
150,928 54 

$652,187 35 
142,924 28 



$35,481,562 00 $509,263 07 



Conting't Trem's. 

$500,069 61 
149,503 03 

$619,572 64 
149,169 64 

$500,403 00 
$52,500 56 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1892, 20, 50,70 per cent. 
Bate of interest realized on investment of guaranty capital, 6f per cent. 



1892.] 



INSURANCE COMPANIES. 



39 



INDUSTRIAL MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated April 17, 1890. Commenced business June 1, 1890.] 
H. N. DAGGETT, President. BENJAMIN TAFT, Secretary. 

Office, 31 Milk Street. 



Detailed Statement of Stocks, Bonds, etc. 



Par Value. 

$5000 00 
29,500 00 



Market Value. 

$5,110 83 
30,432 22 



Lynn & Boston R.R. bonds, 
Corporation note, 



Summary of Assets Dec 

Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Gross assets, 

Liabilities. 

Losses adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 

Taxes accrued, 

Gross liabilities, ..... 



Net cash assets, $21,636 81 



$34,500 00 


$35,543 05 


J. 31, 1892. 




$35,543 05 




5,217 76 




9,261 69 




6,419 35 






$56,441 85 


$6,638 92 


28,064 80 




101 32 






34,805 04 





Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest from all sources, . 



$53,512 74 
2,865 54 

$50,647 20 
1,396 96 



Gross cash income, $52,044 16 



Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies, . 
for rent and incidental expenses, 



$3,555 91 

1,603 62 

474 39 

19,884 11 
2,230 49 



Gross cash expenditures, . 



$27,748 52 



40 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1891, $3,488,160 00 

. 5,658,755 00 



Kisks written during 1892, 

Total 

Risks terminated during 1892, 

In force at end of year, 



$9,146,915 00 
3,769,300 00 

$5,377,615 00 



Cash Prem's. Conting't Prem'a. 

$37,445 58 $187,227 90 
59,032 09 295,160 45 



$96,477 67 $482,388 35 
40,348 06 201,740 30 



$56,129 61 $280,648 05 
$10,194 83 



Losses incurred during the year, 

lViventage of profits or surplus returned during 1892, 70 per cent. 
Average rate to date, 70 per cent 



LOWELL MUTUAL FIRE INSURANCE COMPANY, LOWELL. 

[Incorporated March 6, 1832. Commenced business April, 1832.] 
J. C. ABBOTT, President. E. T. ABBOTT, Secretary. 



Amount of permanent fund Dec. 31, 1891, 
Increase during the year, .... 

Permanent fund Dec. 31, 1892, 

Detailed Statement of Stocks, 



Boston & Lowell Railroad bonds, . 
Lowell & Lawrence Railroad bonds, 
Boston, Concord & Montreal Railroad bonds, 
Consolidated Railroad of Vermont bonds, 
Fitchburg Railroad bonds, 
Portsmouth, N. H., city bonds, . 

2 shares Pacific Mills, .... 
20 ' 

2 ' 
10 ' 

5 ' 

5 ' 
12 ■ 
50 ' 
30 ' 
30 ' 

6 ' 
20 ' 
30 ' 
20 ' 



Lawrence Manufacturing Co., . 
Hamilton Manufacturing Co., . 
Lowell Manufacturing Co., 
Massachusetts Cotton Mills, 
Appleton Co., .... 
Merrimack Manufacturing Co., 
Franklin Manufacturing Co., . 
Hill Manufacturing Co., . 
Lowell Bleachery, . 
Vermont & Massachusetts Railroad 
First National Bank, Lowell, . 
Boston & Maine Railroad, 
Boston & Lowell Railroad, 



Bonds, etc. 

Par Value. 

$4,000 00 
4,000 00 
6,000 00 
1,000 00 
3,000 00 
1,500 00 
2,000 00 
2,000 00 
2,000 00 
6,900 00 
5,000 00 
5,000 00 

12,000 00 
5,000 00 
3,000 00 
3,000 00 
600 00 
2,000 00 
3,000 00 
2,000 00 



$71,483 46 

2,089 45 

$73,572 91 



Market Value. 

$4,240 00 
4,310 00 
6,022 50 
980 00 
2,880 00 
1,530 00 
3,500 00 
3,200 00 
2,090 00 
6,375 00 
5,225 00 
3,060 00 

14,160 00 
5,025 00 
1,800 00 
3,187 50 
846 00 
3,660 00 
5,085 00 
3,780 00 



$73,000 00 $80,956 00 



1892.] 



INSURANCE COMPANIES. 



41 



Summary of Assets Dec. 31, 1892. 

Loans on mortgage of real estate (first liens), $10,650 00 

Stocks, bonds, etc., as per schedule, . . . 80,956 00 

Cash in the office of the company, . . . 1,471 36 

Cash deposited in bank, .... 7,864 29 

Premiums in course of collection (gross), . 2,918 2-4 

Interest due and accrued, 1,169 97 

Gross assets, 

Liabilities. 

Unearned premiums on outstanding risks, . $34,466 25 

Surplus due on terminated policies, . . 1,025 53 

Commissions and brokerage, .... 326 84 

Gross liabilities, 



Net cash assets, 

Income. 
Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest on mortgages, 
Received for interest from all other sources, 

Gross cash income, .... 



Expenditures. 
Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, 
for incidental expenses, .... 



Gross cash expenditures, .... 

Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1891, $4,027,591 00 
Risks written during 1892, . 1,591,294 00 



Total, $5,618,885 00 

Risks terminated during 1892, . 1,066,676 00 



In force at end of year, 
Deduct amount re-insured, 



$1,552,209 00 
9,200 00 



Net amount in force, . . $4,543,009 00 
Losses incurred during the year, 



Cash Prem's. 

$61,697 03 
21,919 01 

$83,616 04 
14,585 31 

$69,030 73 
98 22 



,932 51 



$105,029 86 



35,818 62 
$69,211 24 



$21,253 24 

583 36 

$20,669 88 

745 09 

4,160 58 

$25,575 55 



$4,802 05 

2,128 68 

5,262 50 

350 00 

500 00 

6,797 23 

1,295 35 

$21,135 81 



Conting't Prem's. 

$61,697 03 

21,919 01 

$83,616 04 

14,585 31 

$69,030 73 

98 22 



,932 51 
$4,802 05 



Percentage of profits or surplus returned during 1892, 33^, 50, 70 per cent. 



42 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



LYNN MUTUAL FIRE INSURANCE COMPANY, LYNN. 

[Incorporated Feb. 20, 1828. Commenced business Aug. 1, 1828 ] 
GEORGE D. SARGEANT, President. EDWIN H. JOHNSON, Secretary. 

Amount of permanent fund, $56,910 38 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

40 shares First National Bank, Lynn, . . $4,000 00 $6,240 00 

20 " National City Bank, Lynn, . . 2,000 00 4,000 00 

5 " Central National Bank, Lynn, . . 500 00 800 00 

10 " Merchants 1 National Bank, Boston, . 1,000 00 1,400 00 

15 " West Newton National Bank, . . 1,500 00 1,890 00 

35 " Atchison, Topeka & Santa Fe R.R., . 3,500 00 1,505 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 1,000 00 1,130 00 

Southern Pacific Railroad bonds, . . . 500 00 575 00 

Atlantic & Pacific Railroad bonds, . . . 1,000 00 700 00 

Mexican Central Railroad bonds, . . . 1,000 00 700 00 

Toledo city bonds, 1,000 00 1,070 00 

Lynn & Boston Railroad bonds, . . . 4,000 00 4,040 00 

Missouri Valley R.R. and Bridge Co. bonds, . 2,000 00 2,070 00 

Chicago & Great Western Railroad bonds, . 2,000 00 2,100 00 

Boston, Revere Beach & Lynn R.R. bonds, . 2,000 00 2,140 00 

Oregon Short Line Railroad bonds, . . . 2,000 00 2,100 00 

Ohio & West Virginia Railroad bonds, . . 1,000 00 1,130 00 

Ogdensburg & Lake Champlain R R. bonds, . 2,000 00 2,060 00 

East Middlesex Railroad bonds, . . . 2,000 00 2,070 00 

Equitable Mortgage Company bonds, . . 1,000 00 1,000 00 

Atchison, Topeka & Santa Fe R.R. bonds, . 7,000 00 5,000 00 

City of Sioux City bond, 500 00 500 00 



$42,500 00 $44,220 00 



Securities held as collateral for cash loans : — 
Assignment of mortgage, 

Summary of Assets Dec. 31, 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, . 
Loans on personal security, .... 
Cash in the oilice of the company, . 

( 'ash deposited in bank, 

Pemiums in course of collection (gross), 

Interest due and accrued, 

Gross assets, 



Market Value. Loaned Thereon. 

$4,500 00 $3,000 00 

1892. 

$21,900 00 

44,220 00 

3,000 00 

596 20 

76 20 

826 42 

42 75 

1,087 94 

$71,749 51 



1892.] 



INSURANCE COMPANIES. 
Liabilities. 



ses adjusted, unpaid, . 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, . 

Gross liabilities, 

Net cash assets, .... 



43 



$50 00 

13,122 90 

118 87 


$13,291 77 






$58,457 74 



Income. 

Cash premiums received during the year, 
Deduct return premiums, . 



Net cash premiums received, . 
Received for interest on mortgages, . 
Received for interest from all other sources, 

Gross cash income, .... 



$1,880 99 
296 75 

$4,584 24 
1,103 26 
2,452 60 

$8,140 10 



Expenditures. 

Paid for losses during the year, .... 
for salaries and fees of officers and employees, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, 



$1,186 


25 


2,200 00 


44 76 


216 


00 


4,309 


07 


323 


73 



1,279 81 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1891, $1,971,627 00 

411,995 00 

82,383,622 00 
391,100 00 



Risks written during 1892, 

Total, .... 

Risks terminated during 1892, 

In force at end of year, 



Cash Prem's. Conting't Prem's. 

625,996 92 $51,993 84 



4,854 69 

$30,851 61 
4,605 82 



$1,992,522 00 $26,245 79 



9,709 38 

$61,703 22 
9,211 64 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1892, 100 per cent. 
Average rate to date, 75 per cent. 



$52,491 58 
$1,236 25 



44 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



MASSACHUSETTS MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Dec. 21, 1872. Commenced business Jan. 1, 1873.] 
CHARLES B. CUMINGS, President. JOHN" M. CORBETT, Secretary. 

Guaranty Capital, $200,000. 

Office, No. 28 State Street. 

Amount of permanent fund, . $27,835 00 



Detailed Statement of Stocks, 



150 shares Tremont National Bank, 
80 " Hamilton National Bank, 

100 " Merchants' National Bank, . 
70 " Union National Bank, 

160 " New England National Bank, 

100 " Columbian National Bank, 
25 " Globe National Bank, 

100 " Webster National Bank, . 

115 " Atchison, Topeka & Santa Fe R.R., 
70 " Chicago, Burlington & Quincy R.R., 
C2 " Boston & Maine Railroad, 

Boston & Lowell Railroad bonds, . 

Burlington & Missouri Railroad bonds, . 

Kansas City, Springfield & Mem. R.R. bonds, 

Current River Railroad bonds, 

Kansas & Missouri Railroad bonds, 

Atch., Topeka & Santa Fe Railroad bonds, 

Chicago, Burlington & Quincy Railroad bonds, 



Bonds, etc. 

Par Value. 

$15,000 00 

8,000 00 

10,000 00 

7,000 00 

16,000 00 

10,000 00 

2,500 00 

10,000 00 

11,500 00 

7,000 00 

6,200 00 

6,000 00 

15,400 00 

10,000 00 

10,000 00 

12,000 00 

15,500 00 

5,700 00 



Market Value. 

$15,337 50 

9,360 00 

15,025 00 

9,747 50 

25,840 00 

10,700 00 

2,500 00 

9,700 00 

3,810 00 

6,860 00 

8,990 00 

6,300 00 

17,161 00 

10,000 00 

8,500 00 

10,200 00 

12,710 00 

5,078 00 



$177,800 00 $187,819 00 



Summary of Assets Dec. 31, 1892. 



Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 

Interest accrued, 

Gross assets, 

Liabilities. 
Losses adjusted, unpaid, . 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, 
Surplus due on terminated policies, 
Commissions and brokerage, . 
Incidental expenses,. 
Gross liabilities, 

Net cash assets, .... 



$111,800 00 

187,819 00 

15,127 71 

6,161 10 

2,665 43 



$500 00 

700 00 

87,501 14 

214 44 

2,605 61 

500 00 

10 25 



$323,573 24 



92,031 44 

$231,541 80 



1892.] 



INSURANCE COMPANIES. 



45 



Income. 
Casta premiums received during the year, 
Deduct return premiums 

Net cash premiums received, . 
Received for interest on mortgages, 

for interest from all other sources, 

from all other sources, 

Gross casli income, .... 



Expenditures. 
Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for State and local taxes, . 

for rents, 

for profits or surplus on terminated polieies, 
for dividends on guaranty capital, 
for incidental expenses, . 



Gross cash expenditures, . 

Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1891, $20,895,063 00 
Risks written during 1892, . 5,426,605 00 



Cash Trem's. 

$165,295 89 
43,911 09 



Total, $26,321,668 00 

Risks terminated during 1892, . 4,312,353 00 



$209,206 98 
33,115 10 



In force at end of year, 
Deduct amount re-insured, 



. $22,009,315 00 
116,775 00 



$176,091 88 
1,089 59 



$41,724 19 
1,635 53 

$40,088 66 

5,587 49 

8,870 83 

26 12 

$54,573 10 

$12,227 79 

6,100 66 

10,923 00 

493 55 

3,000 00 

8,000 22 

14,000 00 

1,911 56 



$56,656 78 



Conting't Prem'8. 

$165,295 89 
43,911 09 



$209,206 98 
33,115 10 



$176,091 88 



Net amount in force, . .$21,892,540 00 $175,002 29 

Losses incurred during the year, $12,956 24 

Percentage of profits or surplus returned during 1892, 25, 30 per cent. 

Average rate to date, 23 T y o per cent. 

Rate of interest realized on investments of guaranty capital, 4 T 4 9 „ per cent. 



MERCHANTS' AND FARMERS' MUTUAL FIRE INSURANCE 
COMPANY, WORCESTER. 

[Incorporated April 1, 1846. Commenced business Jan. 1, 1847.] 
JOHN D. WASHBURN, President. ELIJAH B. STODDARD, Secretary. 

Amount of permanent fund, $120,252 29 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

60 shares Atch., Topeka & Santa Fe R.R., . $6,000 00 $2,100 00 

50 " Union Pacific Railroad, . . . 5,000 00 2,000 00 

25 " Wachusett National Bank, . . 2,500 00 5,625 00 



46 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



10 shares Boston & Maine Railroad, 

20 " Westminster National Hank, . 

20 " Central National Bank, . 

13 " Mechanics 1 National Bank, 

25 " Quinsigamond National Bank, 

29 " Wor., Nashua & Rochester U.K., 

56 " Chicago & Alton Railroad, 

25 " Norwich & Worcester Railroad, 

25 " Chicago, Burlington & Quincy R.R, 

61 " Boston & Albany Railroad, 

34 " Providence & Worcester Railroad, 

Providence & Worcester Railroad bonds, 

Lawrence city bonds, .... 

Wor., Nashua & Rochester Railroad bonds, 

Eastern Railroad of Minnesota bonds, 

Atch., Topeka & Santa Fe Railroad bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

City of Grand Haven, Mich., bonds, 

City of Mankato, Minn., .... 



Summary of Assets Dec. 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Loans on personal security, 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 

Unearned premiums on outstanding risks, 

Surplus due on terminated policies, 

Commissions and brokerage, . 

Gross liabilities, .... 



Tar Value. 

$1,000 00 
2,000 00 
2,000 00 
1,300 00 
2,500 00 
2,900 00 
5,600 00 
2,500 00 
2,500 00 
6,100 00 
3,400 00 

25,000 00 

20,000 00 

500 00 

5,000 00 

14,100 00 
500 00 

10,000 00 
5,000 00 



Market Value. 

$1,700 00 
2,000 00 
3,200 00 
1,430 00 
3,375 00 
3,770 00 
8,120 00 
4,450 00 
2,500 00 

12,810 00 
8,500 00 

29,000 00 

23,000 00 

542 50 

5,0l0 00 

10,524 00 

521 25 

8,000 00 

4,000 00 



$125,400 00 $142,167 75 

31, 1892. 

$33,800 00 

92,402 05 

142,167 75 

3,000 00 

11,300 30 

8,792 58 

4,500 00 



$4,375 00 

170,238 81 

3,000 00 

1,204 68 



$295,962 68 



178,818 49 



Net cash assets, $117,144 19 



Income. 
Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 

Received for interest on mortgages, 

for interest from all other sources, 
for rents, 

Gross cash income, .... 



$106,353 77 
3,328 70 



$103,025 07 
4,513 60 
6,744 61 
1,601 08 

$115,884 36 



1892.] 



INSURANCE COMPANIES, 



47 



Expenditures. 
Paid for less* s during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 
for State and local taxes*, . .... 
for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, 



$44,505 93 

15,819 20 

7,000 80 

1,876 73 

41,048 30 

2,920 52 

$113,171 48 



Miscellaneous. 

Amount. Cash Trcm's. Conting't Prem's. 

Risks outstanding Dec. 31, 1891, $22,588,797 00 $332,147 23 $332,147 23 

Risks written during 1892, . 7,472,496 00 105,530 24 105,530 24 



Total $30,061,293 00 $437,677 47 $437,677 47 

Risks terminated during 1892, . 6,951,042 00 97,199 84 97,199 84 



In force at end of year, . .$23,110,251 00 $340,477 63 $340,477 63 

Losses incurred during the year, $45,060 42 

Percentage of profits or surplus returned during 1892, 20, 40, 60 per cent. 



MERRIMACK MUTUAL FIRE INSURANCE COMPANY, 

ANDOVER. 

[Incorporated Feb. 7, 1828. Commenced business March 1, 1828.] 
WILLIAM S. JENKINS, President. JOSEPH A. SMART, Secretary. 

Amount of permanent fund, $150,206 14 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

United States bonds $27,000 00 $29,970 00 

Chicago city bonds, 7,000 00 7,350 00 

Cincinnati city bonds, 16,000 00 19,990 00 

Fall River city bonds, 10,000 00 10,625 00 

Lynn city bonds 5,000 00 5,500 00 

Toledo city bonds, 5,000 00 5,350 00 

Cambridge Horse Railroad bonds, . . . 15,000 00 15,600 00 

Lynn & Boston Horse Railroad bonds, . . 10,000 00 10,200 00 

Metropolitan Horse Railroad bonds, . . 20,000 00 20,800 00 

Atchison, Topeka & Santa Fe Railroad bonds, 10,500 00 8,600 00 

Boston & Maine Railroad bonds, . . . 10,000 00 10,000 00 

Boston & Providence Railroad bonds, . . 5,000 00 5,050 00 

Chicago, Burlington & Quincy R.R. bonds, . 10,000 00 10,450 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 5,000 00 5,200 00 

Chicago & Northwestern Railroad bonds, . 10,000 00 10,700 00 



48 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Old Colony Railroad bonds, 

Chicago, Wisconsin & Minnesota R.R. bouds, 

Spokane A: Palouse Railroad bonds, 

No. Pacific & Montana Railroad bonds, . 

Chicago, Peoria & St TiOuis Railroad bonds, 

Watervliet Turnpike & Railroad bonds, . 

Helena (Montana) Water Company bonds, 

Salem (Ohio) Water Company bonds, 

Auburn city bonds, ..... 

Sioux City Land Company bonds, . 

50 shares Boston Investment Company, . 

Andover water bonds, .... 

Andover Electric Company, 

6 shares Andover National Bank, 

Globe Street Railway bonds, . 

Seattle city bonds, ..... 



Securities held as collateral for cash loans 
15 shares Lawrence National Bank, 

Summary op Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens) 
Stocks, bonds, etc., as per schedule,. 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Gross assets, 

Liabilities. 

Losses adjusted, unpaid 

Unearned premiums on outstanding risks, 
Commissions- and brokerage, . 

Gross liabilities, .... 



Par Value. 

$10,000 00 
5,000 00 
5,000 00 

10,000 00 
5,000 00 

10,000 00 
5,000 00 
6,000 00 

10,000 00 
4,500 00 
5,000 00 
5,000 00 
5,000 00 
600 00 

10,000 00 
5,000 00 



Market Value. 

110,800 00 

5,250 00 

4,200 00 

8,400 00 

4,825 00 

11,000 00 

5,000 00 

6,000 00 

10,000 00 

4,500 00 

5,600 00 

5,500 00 

5,500 00 

660 00 

10,000 00 

5,100 00 



$266,600 00 $277,820 00 



Market Value. 

$1,700 00 

31, 1892. 

$8,000 00 

33,600 00 

277,820 00 

1,500 00 

2,166 98 

11,669 81 

5,258 17 

5,556 80 



Loaned Thereon 

$1,500 00 



$345,571 76 



Net cash assets, 



$5,471 50 

205,443 52 

820 42 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest on mortgages, 
Received for interest from all other sources, 

Gross cash income, .... 



211,735 44 
$133,836 32 



$110,342 20 
3,563 19 



$106,779 01 

1,810 00 

15,848 71 

$121,137 72 



1802.] 



INSURANCE COMPANIES. 



49 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 
for State and local taxes, ■ 

for rents 

for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1891,825,892,017 00 
Risks written during 1892, . 7,415,398 00 



Total $33,307,415 00 

Risks terminated during 1892, . 6,451,869 00 



Cash Prem's. 

$392,840 96 
112,845 52 

8505,686 48 
94,484 80 



$39,080 08 

16,561 27 

6,000 00 

998 38 

600 00 

51,318 51 

4,616 92 

$119,175 16 



Contfng'l Prem's. 

$392,840 96 
112,845 52 

$505,686 48 
94,484 80 



In force at end of year, 



.$26,855,546 00 $411,201 68 $111,201 68 



Losses incurred during the year, $38,551 58 

Percentage of profits or surplus returned during 1892, 70, 40, 25 per cent. 
Average rate to date, 45 per cent. 



MIDDLESEX MUTUAL FIRE INSURANCE COMPANY, CONCORD. 

[Incorporated March 3, 1826. Commenced business March 29, 1826.] 
GEORGE HEY WOOD, President. RICHARD F. BARRETT, Secretary. 

Amount of permanent fund Dec. 31, 1892, .... $327,532 84 



50 sh 
15 
40 
53 
25 
54 
30 
113 
20 
44 
10 
30 
18 
10 
30 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

ires Blackstone National Bank, Boston, $5,000 00 $4,875 00 

Merchants 1 National Bank, Boston, 1,500 00 2,190 00 

Webster National Bank, Boston, . 4,000 00 3,900 00 

Boston National Bank, Boston, . 5,300 00 5,578 25 

Eliot National Bank, Boston, . . 2,500 00 3,384 37 

Howard National Bank, Boston, . 5,400 00 5,832 00 

Revere National Bank, Boston, . 3,000 00 3,150 00 

Shawmut Natioual Bank, Boston, . 11,300 00 14,35100 

Faneuil Hall NaL'l Bank, Boston, . 2,000 00 2,745 00 

No. American Nat'l Bank, Boston, . 4,400 00 5,456 00 

Central National Bank, Boston, . 1,000 00 1,490 00 

Traders 1 National Bank, Boston, . 3,000 00 3,<>03 75 

State National Bank, Boston, . . 1,800 00 2,227 50 

Market National Bank, Boston, . 1,000 00 1,000 00 

Commercial Nat 1 ! Bank, Boston, . 3,000 00 2,880 00 



50 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



5 -hart-- Suffolk National Bank, Boston, 
M Concord National Bank, Concord, 

57 " Boston iS: Albany Railroad, 
,y Cleveland & Canton Railroad, 
100 " Fitchburg Railroad, 

50 " Philadelphia, Wil. and Bait. R.R., 
200 " Chicago, Burl, and Quincy R.R., 
230 " Atchison,Topeka and Santa Fe R.R. 
100 " Pullman Palace Car Co., 

50 " Massachusetts Real Estate Co., 
Eastern Railroad bonds, .... 
Burlington & Missouri Railroad bonds, . 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago, Burlington & Northern R.R. bonds, 
Fitchburg Railroad bonds, 
Atchison, Topeka & Santa Fe R.R. bonds, 
East Middlesex Street Railway bonds, . 

United States bonds, 

Bath city bonds, 

Illinois Steel Company bonds, . 
Concord water bonds, .... 

School house loan, 

Portland & Ogdensburg Railroad bonds, 
Akron & Chicago June. R.R. bonds, 
Cincinnati, Ham. & Dayton R.R. bonds, . 
Globe Street Railway bonds, ... 
Toledo city bonds, 



Par Value. 

$500 00 

3,300 00 

5,700 00 

8,852 00 

10,000 00 

2,500 00 

20,000 00 

23,000 00 

10,000 00 

5,000 00 

6,000 00 

7,000 00 

12,000 00 

2,000 00 

20,000 00 

6,328 75 

10,000 00 

28,000 00 

3,000 00 

10,000 00 

19,500 00 

3,000 00 

20,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 



Market Value. 

$522 50 

5/280 00 

11,856 00 

1,416 32 

8,975 00 

2,750 00 

19,600 00 

7,762 50 

19,750 00 

5,750 00 

7,215 00 

6,510 00 

12,575 00 

2,070 00 

20,300 00 

4,671 25 

10,500 00 

32,200 00 

3,150 00 

10,000 00 

23,800 00 

3,200 00 

21,400 00 

10,600 00 

10,200 00 

10,000 00 

10,350 00 



$329,880 75 $344,466 44 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens) 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Loans on personal security, 
( ash in office and in bank, 
Premiums in course of collection (net), . 
Interest due and accrued, . 
Rents due and accrued, .... 
Gross assets, 



31, 1892. 

$18,700 00 

114,927 00 

344,466 44 

17,100 00 

40,650 00 

14,225 98 

2,766 28 

15,818 85 

350 00 



$569,004 55 



Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Gross liabilities, .... 



$1,113 50 
240,579 54 



241,693 04 



Net cash as.-cts, 



^27,311 51 



1892.] 



INSURANCE COMPANIES. 



51 



Income. 

Cash premiums received during the year, 

Deduct return premiums, 

Net cash premiums received, 

Received for interest from all sources, . 
Received for routs, 

Gross cash income, 

Expenditures. 

Paul for losses during the year, .... 

for brokerage and commissions, 
for salaries and fees of officers and employees, 
for State and local taxes, ..... 
for profits or surplus on terminated policies, . 
for incidental expenses, ..... 

Gross cash expenditures, 

Miscellaneous. 



$131,326 20 

715 98 

$130,610 22 

23,700 37 

535 00 

$154,845 59 



$41,731 61 

18,993 63 

8,540 00 

1,572 70 

66.833 67 

3,564 35 

. $141,235 96 



Amount. Cash Prom's. Conting't Prem'8. 

Risks outstanding Dec. 31, 1891,. $80,847,805 00 $454,590 69 $454,590 69 
Risks written during 1892, . 8 808,991 00 129,848 89 129,848 89 



Total $39,656,296 00 $584,439 58 $";84,439 58 

Risks terminated during 1892, . 7,149,005 00 103,280 50 103,280 50 



In force at end of year, . . $32,507,291 00 $481,159 08 $481,159 08 

Losses incurred during the year, $41,010 11 

Percentage of profits or surplus returned during 1892, 50, 70 per cent. 



MILFORD MUTUAL FIRE INSURANCE COMPANY, MILFORD. 

[Incorporated Dec. 3, 1851. Commenced business January, 1852.] 
GEORGE L. COOKE, President. ABBOTT A. JENKINS, Secretary. 

Amount of permanent fund, $7,562 74 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

10 shares Milford National Bank, . . . $1,000 00 $1,500 00 

9 shares Hide and Leather National Bank, . 900 00 1,200 00 

Milford water bonds, 5,500 00 5,665 00 



$7,400 00 



1,365 00 



52 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Summary of Assets Dec 
Stock-, bonds, etc., as per schedule,. 
Cash in tin 1 office of the company, . 
Cash deposited in hunk, .... 
Premiums in course of collection (gross), 

Interest accrued 

Gross assets, 

Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Let urn premiums on cancelled policies, . 
Surplus due on terminated policies,. 
Commissions and brokerage, . 
Rents, salaries and incidental expenses, . 
Gross liabilities, .... 



5. 31, 1892. 




,866 00 




786 83 




4,581 50 




2,234 97 




163 50 






$16,130 80 




$1,500 00 




13,097 4-4 




40 57 




22 32 




335 25 




181 00 






15,776 58 





Ket cash assets, 



|354 22 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received. . 
Received for interest from all sources, . 

Gross cash income, .... 



$13,426 41 
143 99 

$13,282 42 
547 79 

$13,830 21 



Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies, . 
for incidental expenses, ..... 

Gross cash expenditures, 



$7,468 88 

2,013 96 

649 25 

113 50 

2,135 87 

1,150 90 

$13,532 36 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1891,. $1,659,930 00 
Risks written during 1892, . 1,028,195 00 



Total, $2,688,125 00 

Risks terminated during 1892, . 569,03100 



Cash Prem's. Continpr't Prcm's. 

$21,009 00 $21,009 00 
13,426 41 13,426 41 



$34,435 41 
7,040 52 

$27,394 89 



In force at end of year, . .$2,119,094 00 

Losses incurred during the year, 

Percentage of profits or surplus returned during 1892, 25, 50 percent. 



$34,435 41 

7,040 52 

$27,394 89 

$6,601 86 



1892.] 



INSURANCE COMPANIES. 



53 



MUTUAL FIRE ASSURANCE COMPANY, SPRINGFIELD. 

[Incorporated Feb. 23, 1827. Commenced business July 26, 1827.] 
ALFRED ROWS, President. FRANK R. YOUNG, Secretary. 

Amount of permanent fund, $117,216 33 

Detailed Statement of Stocks, Bonds, etc. 

Tar Value. Market Value. 

75 shares Second National Bank, Springfield, . $7,500 00 $11,025 00 

Gl " Chicopee NatU Bank, Springfield, . 6,100 00 10,065 00 

•25 " John Hancock Nafl Bank, Spr'ld, . 2,500 00 3,000 00 

25 " First National Bank, Springfield, . 2,500 00 3,175 00 

25 " Chapin National Hank, Springfield,. 2,500 00 4,000 00 

10 " Monsoo National Bank, Monson, . 1,000 00 1,500 00 

10 " First National Bank, Chicopee, . 1,000 00 1,470 00 

50 " Iladley Falls Nafl Bank, Ilolyoke, . 5,000 00 8,000 00 

50 " Commerce National Bank, Boston, . 5,000 00 6,500 00 

96 " Boston & Albany Railroad, . . 9,600 00 20,736 00 

150 " N. Y. Central & Hudson-River R.R., 15,000 00 16,650 00 

55 " Chicago. Burlington & Quincy R.R., 5,500 00 5,500 00 

50 " Union Pacific Railroad, . . . 5,000 00 1,950 00 

40 " Lake Shore & Michigan So. R.R., . 4,000 00 5,280 00 

Union Pacific Railroad bonds .... 8,000 00 8,320 00 

Vermont Valley Railroad bonds, . . . 4,000 00 4,400 00 

Chicago, Burlington & Northern R.R. bonds, . 500 00 520 00 

Western Union Telegraph bonds, . . . 7,0o0 00 7,910 00 

Chesapeake & Ohio Railroad bonds, . . . 4,000 00 4,080 00 

Ohio Southern Railroad bonds 3,000 00 3,270 00 

Atchison, Topeka and Santa Fe R.R. bonds, . 5,000 00 5,000 00 

Chicago, Burlington & Quincy R.R. bonds, . 500 00 535 00 

Philadelphia, Wilmington & Bait. R.R. bonds, . 4,000 00 4,040 00 



$108,200 00 $ 136,926 00 



Summary of Assets Dec. 31, 1892. 

Loans on mortgage of real estate (first liens), $19,750 00 

Stocks, bouds, etc., as per schedule, . . 136,926 00 

Cash in the office of the company, . . . 606 00 

Cash deposited in bank, 3,803 09 

Interest due and accrued, 712 48 

Gross assets, 

Liabilities. 

Unearned premiums on outstanding risks, . $34,953 61 

Surplus due on terminated policies, . . 489 28 

Gross liabilities, . . . . . 



$161,797 57 



35,442 89 



Net cash assets, $126,354 68 



54 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 

Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, .... 
Received for interest on mortgages, 
Received for interest from all other sources, . 

Gross cash income, 

Expenditures. 

Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, . . . . . 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, ..... 



Gross cash expenditures, .... 

Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1891, $4,547,688 00 
Risks written during 1892, . 1,000,750 00 



$15,704 41 
864 17 



$14,840 24 
l,-+70 29 
6,223 62 

£22,534 15 



$2,010 72 

3,326 00 

133 37 

500 no 

11,014 99 
367 57 

$17,352 65 



Cash Prem's. Conting't Prem's. 

$68,026 57 $136,053 14 
15,642 06 31,28-4 12 



Total fo,548,438 00 

Risks terminated during 1892, . 921,450 00 



$83,668 63 $167,337 26 
13,761 40 27,522 80 



$4,626,988 00 



In force at end of year, . 

Losses incurred during the year, 

Percentage of profits or surplus returned during 1892, 90 per cent 

Average rate to date, 80 pej' cent. 



$69,907 23 $139,814 46 
$2,010 72 



MUTUAL PROTECTION FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated April 10, 1861. Commenced business July 15, 1864.] 
AMOS STONE, President. GEO. H. PENDERGAST, Secretary. 

Office, Thompson Square, Charlestons. 
Amount of permanent fund Dec. 31, 1892, .... $52,639 30 



Detailed Statement of Stocks, Bonds, etc. 



10 shares Monument National Bank, 
20 " National Bank of the Republic, 
31 " Charlestown Gas Company, 
10 " Somerville Electric Light Co., . 

50 " Atcli., Top. & Santa Fe U.K., . 
Northern Pacific Railroad bonds, . 



Par Value. 

M,000 00 
2,000 00 
1,550 00 
1,000 00 
5,000 00 
2,000 00 



Market Value. 

$2,350 00 
8,220 00 

3,038 00 
1,(H)0 00 
1,700 00 
2,300 00 



$12,550 00 $13,608 00 



1892.] 



INSURANCE COMPANIES. 



55 



Summary of Assets Dec. 31, 1892. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc , as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, . 

Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 

Gross liabilities, .... 

Net cash assets, .... 

Income. 

Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, .... 
Received for interest on mortgages, 

for interest from all other sources, . 

for rents, 

Gross cash income, 

Expenditures. 

Paid for losses during the year, 

for brokerage and commissions, 

for interest on borrowed money, 

for State and local taxes, .... 

for reuts, 

for profits or surplus on terminated policies, 
for incidental expenses, .... 



$14,900 00 

30,400 00 

13,608 00 

87 55 

5,270 48 

711 09 

1,291 04 



$61 55 

200 00 

7,462 50 

133 80 



Gross cash expenditures, . 



Risks outstanding Dec. 31, 1891, 
Risks written during 1892, 



Miscellaneous. 

Amount. 

,311,197 50 
208,500 00 



Total, .... $1,519,697 50 

Risks terminated during 1892, . 241,320 00 



Cash Prem's. 

$11,448 56 
2,642 15 

$17,090 71 
2,165 70 



$66,268 16 



7,857 85 
$58,410 31 



$2,982 57 
154 64 



$2,827 93 

1,178 43 

526 58 

589 00 



$5,121 94 



$120 05 


444 84 


11 40 


1,004 07 


500 00 


592 60 


371 35 



$3,044 31 



Contlng't Prem's. 

$14,448 oQ 
2,642 15 

$17,090 71 
2,165 70 



In force at end of year, 



. $1,278,377 50 $14,925 01 $14,925 01 



Losses incurred during the year, $366 60 

Percentage of profits or surplus returned during 1892, 20, 25, 40 per cent. 
Average rate to date, 25 per cent. 



56 



MASSACHUSETTS MUTUAL FIRE [Dec. 31 



NEWBURYPORT MUTUAL FIRE INSURANCE COMPANY, 

NEWBURYPORT. 

[Incorporated February, 1829. Commenced business May 1, 1829.] 
AMOS NO YES, President. LAWRENCE W. BROWN, Secretary. 

Amount of permanent fund Dec. 31, 1892, .... $27,021 89 



Detailed Statement of Stocks, 

100 shares Mer. Natl Bank, Newburyport, 

18 
31 

15 ' 
10 

10 ' 

10 ' 

10 ' 

10 ' 

10 ■ 

1 ' 

5 ' 

14 ' 

10 ' 

14 ' 



Mech's Natl Bank, Newburyport, 
Ocean Natl Bank, Newburyport, 
Washington Natl Bank, Boston, 
Hide and Lea. Natl Bank, Boston, 
Market Natl Bank, Boston, . 
Shoe and Lea. Natl Bank, Boston, 
Traders' Natl Bank, Boston, . 
Chicago & Northwestern Railroad 
Western haus, preferred, . 
American Bell Telephone, 
General Electric, 
Chic, Burl. & Quincy Railroad, 
Atch , Topeka & Santa Fe R.R., 
Boston & Maine Railroad, 
Consolidated Railroad of Vermont bonds, 
Rutland Railroad bonds, .... 
Atch., Topeka & Santa Fe Railroad bonds, 
Lawrence city bonds, .... 
Fall River city bonds, .... 
Chicago, Burlington & Northern R.R. bonds, 



Bonds, etc. 

Par Value. 

$2,000 00 
1,800 00 
1,550 00 
1,500 00 
1,000 00 
1,000 00 
1,000 00 
1,000 00 
1,000 00 
50 00 
100 00 
500 00 
1,400 00 
1,000 00 
1,400 00 
2,000 00 
1,500 00 
5,000 00 
1,000 00 
1,000 00 
2,000 00 



Market Value. 

$2,500 00 

2,286 00 

1,705 00 

1,680 00 

1,250 00 

1,000 00 

940 00 

1,000 00 

1,115 00 

480 00 

203 00 

560 00 

1,365 00 

350 00 

2,380 00 

1,900 00 

1,615 00 

3,375 00 

1,060 00 

1,140 00 

2,060 0C 



$28,800 00 $29,964 00 



Summary of Assets Dec. 31, 1892. 



Stocks, bonds, etc., as per schedule, 
Cash deposited in bank, . 
Interest due and accrued, . 
Office furniture, 

Gross assets, . 



$150 00 



$29,964 00 

3,114 35 

450 54 



$33,528 89 



Li ABILITIES. 

Unearned premiums on outstanding risks, 

Incidental expenses, 

Gross 1 labilities, .... 



$4,159 67 
25 00 



4,184 67 



Net cash assets, 



$29,344 22 



1892.] 



INSURANCE COMPANIES. 



57 



Income. 

Cash premiums received during the year, 
Deduct return premiums, 

Net casfa premiums received, .... 
Reeeived for interest from all sources, . 
Received from all other sources, 

Gross cash income, 

Expenditures. 

Paid for losses during the year, . . . . 

for salaries and fees of officers and employees, 
for State and loeal taxes, .... 

for rents, 

for profits or surplus on terminated policies, 
for incidental expenses, .... 



Gross cash expenditures, 



Miscellaneous. 



Risks outstanding Dec. 31, 1891, 
Risks written during 1892, . 

Total 

Risks terminated during 1892, 



Amount. 

$687,265 00 
126,200 00 



$813,465 00 
140,650 00 



Cash Prem's. 

|8,577 07 

1,500 14 

? 10,077 21 
1,757 87 



0672,815 00 $8,319 34 



$1,518 


62 


18 


48 


$1,500 


14 


1,691 


08 


82 


76 



$3,273 98 



$ 144 33 


366 


00 


15 


59 


150 


00 


1,500 


14 


110 


29 



$2,286 35 



Conting't Prem's. 

$34,308 28 
6,000 56 

$40,308 84 
7,031 48 



In force at end of year, 

Losses incurred during the year, 

Percentage of profits or surplus returned during 1892, 100 per cent. 

Average rate to date, 100 per cent. 



$33,277 36 
$144 33 



NORFOLK MUTUAL FIRE INSURANCE COMPANY, DEDHAM. 

[Incorporated Feb. 12, 1825. Commenced business July 1, 1825.] 
J. WHITE BELCHER, President. ELIJAH HOWE, Jr., Secretary. 



Amount of permanent fund Dec. 31, 1891, 
Increase during the year, .... 

Permanent fund Dec. 31, 1892, 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. 

$10,000 00 

7,500 00 

12,500 00 

10,000 00 

2,000 00 



100 shares Old Colony Railroad, 
75 " Boston & Lowell Railroad, 

125 " Boston & Albany Railroad, . 

100 " Chicago, Burlington & Quincy R.R., 
20 " Boston & Providence Railroad, 



$310,782 OS 
8,729 77 

$319,511 80 



Market Value. 

$18,000 00 

13,800 00 

25,000 00 

10,000 00 

5,000 00 



58 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



100 shares Atch., Topeka & Santa Fe R R., 
50 i; Dedham Water Company, 
City of Boston bonds .... 
X. II. Trust Company bonds, . 

Consolidated Street Railway Company bonds 
Boston & Providence Railroad bonds, 
Minneapolis Gas Light Company bonds, . 
N. E. Mortgage Security Company bonds, 
Boston & Lowell Railroad bonds, 
Union Pacific Railroad bonds, . 
Maine Central Railroad bonds, 
Oregon Short Line Railroad bonds, . 
Cincinnati city bonds, .... 
Kan City, St. J. & Council Bluffs R.R. bonds 

Chicago city bonds, 

Atchison, Topeka & Santa Fe R.R. bonds, 

Northern Pacific Railroad bonds, 

Philadelphia & Reading Railroad bonds, 

Concord & Montreal R R. bonds, 

Old Colony Railroad bonds, 

Fremont, Elkhorn & Mo. Val Railroad bonds 

Washington County, Illinois, bonds, 

Fitchburg Railroad bonds, 

Grand Avenue Railway, Kansas City, bonds, 

Lombard Investment Co. bonds, 

Western Security Co. bonds, . 

Salem city bonds, 

Randolph town notes, .... 



Par Value. 

$10,000 00 

5,000 00 

10,000 00 

10,000 00 

5,000 00 

10,000 00 

5,000 00 

23,000 00 

15,000 00 

26,000 00 

15,000 00 

10,000 00 

25,000 00 

9,000 00 

6,000 00 

48,000 00 

5,000 00 

8,000 00 

10,000 00 

22,000 00 

5,000 00 

5,000 00 

20,000 00 

5,000 00 

5,000 00 

5,000 00 

5,000 00 

9,300 00 



Market Value. 

$3,3 >0 00 

5,000 00 

10,235 00 

9,500 00 

5,000 00 

10,300 00 

5,000 00 

21,850 00 

15,362 50 

25,750 00 

15,950 00 

10,000 00 

30,500 00 

10,350 00 

6,000 00 

34,080 00 

5,500 00 

8,400 00 

10,200 00 

22,400 00 

5,750 00 

5,000 00 

20,000 00 

4,800 (0 

4,750 00 

4,750 00 

5,403 50 

9,300 00 



$378,300 00 $396,231 00 



Summary of Assets Dec. 31, 1892. 

Cash value of unencumbered real estate, . $10,000 00 

Loans on mortgage of real estate (first liens), 47,800 00 

Stocks, bonds, etc., as per schedule, . . . 396,231 00 

Cash deposited in bank, 11,975 86 

Premiums in course of collection (gross), . 7,610 56 

Interest due and accrued, 7,367 17 

Rents due and accrued, . . . . . 231 53 

Gross assets $181,216 12 

Liabilities. 

Losses adjusted, unpaid, $3,252 91 

Losses claimed and reported, . . . . 91 00 

Unearned premiums on outstanding risks, . 132,761 94 

Return premiums on cancelled policies, . 147 92 

Surplus due on terminated policies, . . 5,397 57 

Commissions and brokerage, .... 1,141 57 

Gross liabilities, 112,792 94 

Net cash assets, $338,423 18 



1892.] 



INSURANCE COMPANIES. 



59 



Income. 
Cash premiums received during the year, 
Deduct return premiums 

Net casfa premiums received, .... 
Received for interest on mortgages, 

for interest from all other sources, . 

for rents, 

from profit on bonds sold, . 

Gross cash income, 

Expenditures. 
Paid for losses duiing the year, 

for brokerage and commissions, 
for salaries and fees of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 
for incidental expenses, .... 

Gross casfa expenditures, .... 



Miscellaneous. 

Amount. 

Risks outstanding Dec 31, 1891, $17,437,877 22 
Risks written during 1892, . 4,662,143 33 



$66,075 13 
1,354 67 

$64,720 46 

2,668 17 

19,848 33 

1,166 13 
267 50 

$88,670 59 



$17,802 35 

9,770 36 

6,286 77 

885 76 

36,259 92 

1,493 13 

$72,498 29 



Cash Prem's. Continp't Prem's. 

$256315 28 $255,657 17 
68,775 61 67,457 84 



Total, $22,100,020 55 $325,590 89 $323,115 01 

Risks terminated during 1892, . 3,982,489 61 60,067 01 58,48141 



In force at end of year, . .$18,167,530 94 $265,523 88 $264,633 60 

Losses incurred during the year, $21,146 29 

Percentage of profits or surplus returned during 1892, 33 1 , 50, 70 per cent. 



PAPER MILL MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated Nov. 23, 1886. Commenced business April 1, 1887.] 
R. W. TOPPAN", President. WM. H. H. WHITING, Secretary. 

Office, No. 31 Milk Street. 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. 

Portland & Ogdensburg Railroad bonds, . $5,000 00 

Fitch burg Railroad bonds, .... 5,000 00 

Cincinnati, Sandusky & Cleveland R.R. bonds, 5,000 00 

Maine Central Railroad bonds, . . . 10,000 00 

Atchison, Topeka & Santa Fe Railroad bonds, 5,000 00 

Pennsylvania Railroad bonds, .... 5,000 00 

Newton water bonds, 5,000 00 



Market Value. 

$5,250 00 

5,250 00 

5,300 00 

10,500 00 

4,075 00 

5,500 00 

5,337 50 



$40,000 00 $41,212 50 



<>0 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Summary of Assets Dec. 31, 1892. 



Stocks. bonds, etc., as per schedule, 
( lash in the office of the company, . 
( lash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest accrued, ..... 
Gross assets, 



|41,212 50 

47 96 

7,918 51 

189 24 

530 00 



$49,898 21 



Liabilities. 

Unearned premiums on outstanding risks, 

Taxes, 

Gross liabilities, .... 



$22,384 54 
85 91 



22,470 45 



Net cash assets, $27,427 76 



Income. 

Cash premiums received during the year, 

Deduct return premiums, 

Net cash premiums received, 

Received for interest from all sources, 

Gross cash income, 

Expenditures. 
Taid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, . 
for inspection and incidental expenses, . 

Gross cash expenditures, 



$47,652 90 
2,657 68 

$44,995 22 
1,895 06 

$46,890 28 



$10,625 13 

2,750 00 

446 41 

150 00 

27,610 16 

1,216 02 

$42,797 72 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1891, $3,851,781 00 
Risks written during 1892, . 4,694,122 00 



Total, 

Risks terminated during 1892, 

In force at end of year, 



$8,545,903 00 
4,159,738 00 

$4,386,165 00 



Cash Prem's. Oonting't Prem's. 

$41,095 78 $205,478 90 
47,582 43 237,912 15 



,678 21 $443,391 05 
43,909 13 219,545 65 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1892, 67^ o 7 . 
Average rate to date, 67 ,':;'„ per cent. 



$44,769 08 $223,845 40 
$2,000 62 



1892.] 



INSURANCE COMPANIES. 



61 



PATRONS' MUTUAL FIRE INSURANCE COMPANY, WORCESTER. 

[Incorporated May 23, 1887. Commenced business Aug. 1, 18S7.] 
NORMAN B. DOUGLAS, President. GEORGE R. CHASE, Secretary. 

Office at Med field. 

Summary of Assets Dec. 31, 1892. 
Cash in the office of the company, . . . $177 80 



( tosh deposited in bank, .... 
Premiums in course of collection (gross), 
Unpaid assessments on deposit notes, 
Gross assets, 

Liabilities. 

Unearned premiums on outstanding risks. 
Commissions and brokerage, . 

Salaries accrued, 

Gross liabilities, .... 

Balance against the company, . 

Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest from all sources, . 
Received from assessments on deposit notes, 

Gross cash income, .... 

Expenditures. 
Paid for losses during the year, 



2,219 87 

1,440 98 

233 27 



$3,806 24 
359 7G 
645 72 



for brokerage and commissions, 
for salaries and fees of officers and 
for State and local taxes, . 

for rents, 

for printing, .... 



employees, 



Gross cash expenditures, . 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1891, $984,755 00 
Risks written during 1892, . 314,705 00 



$ 4,07 1 92 



4,811 72 



$739 80 



$3,955 75 
31 65 

$3,924 10 

68 77 

2,710 53 



$6,703 40 



$3,958 80 


605 


52 


840 


37 


71 


14 


2 


00 


105 


67 



Cash Prem's. 

$5,920 92 
5,233 82 



Total, $1,299,460 00 

Risks terminated during 1892, . 564,705 00 



$11,154 74 
3,542 26 



In force at end of year, . . $734,755 00 
Losses incurred during the year, 



$7,612 48 



$5,583 50 



Contlng't Prem's. 

$15,395 71 

15,701 46 

$31,097 17 

4,249 22 

$26,847 95 

$3,931 80 



62 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



QUINCY MUTUAL FIRE INSURANCE COMPANY, QUINCY. 

[Incorporated March 22, 1S51. Commenced business May, 1851.] 
CHARLES A. ROWLAND, Preiident. WM. H. FAY, Secretary. 



Amount of permanent fund Dec. 31, 1891, 
Increase during the year, . 

Permanent fund Dec. 31, 1892, 



. $335,451 40 
14,548 CO 

. £350,000 00 



Detailed Statement of Stocks, 

88 shares Rockland National Bank, Boston, 

20U ' 

370 ' 

70 •' 

50 ' 

40 ' 

35 " 

66 ' 

37 « 

50 " 

46 ' 

75 

25 " 

100 " 

239 * 

44 ' 

50 * 

64 " 

48 " 

77 ■ 

10 4 
50 ' 
29 ' 
25 ■ 

100 4 

300 ' 

11 ' 
107 ' 
176 ■ 

8 * 



* Manufacturers 1 Nat'l Bank, Boston 
4 Third National Bank, Boston, 

* Second National Bank, Boston, 
' First National Bank, Boston, . 
1 Merchants 1 National Bank, Boston 
' State National Bank, Boston, . 
' Washington National Bank, Boston 
1 Revere National Bank, Boston, 
' Hamilton National Bank, Boston, 
1 Continental National Bank, Boston 
' Redemption National Bank, Boston 
1 Market National Bank, Boston, 
1 Norih National Bank, Boston, 
4 Mt. Wollaston Nat'l Bank, Quincy 
1 Granite National Bank, Quincy, 
' Wachusett Nat'l Bank, Fitch burg, 
4 Hingham Nat'l Bank, Hingham, 
4 First Nat'l Bank, South Weymouth 
4 Union Nat'l Bank, South Weymouth 
4 Quinsigamond N'l B'k, Worcester, 
' Brockton National Bank, Brockton 
4 Plymouth National Bank, Plymouth 
4 First National Bank, West Newtor 
4 Chicago, Burlington & Quincy R.R 
' Boston & Lowell Railroad, 

Old Colony Railroad, 

4 Hingham Cordage Co., . 

4 Lawrence Duck Co., 

4 Quincy Street Railway, . 
Fast Middlesex Street Railroad bonds, 
60 Bharea State St. Sato Deposit and Trust Co 

Chicago, Burlington & Quincy Railroad Co., 



Bonds, etc. 

Par Value. 

$8,800 00 

20,000 00 

37,000 00 

7,000 00 

5,000 00 

4,000 00 

3,500 00 

6,600 00 

3,700 00 

5 : 000 00 

4,600 00 

7,500 00 

2,500 00 

10,000 00 

23,900 00 

4,400 00 

5,000 00 

4,480 00 

4,800 00 

7,700 00 

1,000 00 

5,000 00 

2,900 00 

2,500 00 

10,000 00 

30,000 00 

1,100 00 

10,700 00 

17,800 00 

800 00 

10,000 00 

5,000 00 

1,500 00 



Market Value. 

$13,904 00 

20,600 00 

38,850 00 

13,440 00 

12,000 00 

5,840 00 

4,305 00 

7,392 00 

3,885 no 

5,850 00 

5,750 00 

9,675 00 

2,575 00 

13,100 00 

32,265 00 

5,940 00 

10,000 00 

4,480 00 

5,760 00 

8,470 00 

1,100 00 

6,250 00 

3,190 00 

2,500 00 

9,800 00 

55,800 00 

2,024 00 

10,700 00 

17,800 00 

800 00 

10,000 00 

5,000 00 

1,556 25 



$273,780 00 $350,601 25 



1892.] 



INSURANCE COMPANIES. 



63 



Summary of Assets Dec. 
Cash value of unencumbered real estate, . 

Loans on mortgage of real estate (first liens), 

Storks, bonds, etc., as per schedule, . 

Loans on collateral security, as per schedule, . 

Loans on personal security, . 

Cash in the office of the company, . 

Cash deposited in bank, 

Premiums in course of collection (gross), 
Interest due and accrued, . 

Rents due and accrued, 

(iross assets, 



31, 1892. 

$17,000 00 

63,35*0 00 

350,601 25 

54,500 00 

56,500 00 

440 00 

65,167 44 

12,865 60 

6,974 13 

380 00 



$627,778 42 



Liabilities. 

les claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Surplus returnable on terminated policies, 
Rents, salaries and incidental expenses, . 

Gross liabilities, .... 

Net cash assets, 



$2,250 00 

2,225 00 

238,536 54 

7,000 00 

1,805 07 



251,816 61 



$375,961 81 



Income. 

Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, .... 
Received for interest on mortgages, 

for interest from all other sources, . 

for rents, 

from all other sources, 

Gross cash income, 



$142,762 37 
58 45 



$142,703 92 

2,302 83 

25,073 64 

487 00 

476 76 



$171,044 15 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State aud local taxes, 

for profits or surplus on terminated policies, . 
for incidental expenses, 



$50,352 29 
22,687 57 
11,885 62 

2,695 18 
65,380 98 

7,161 26 



Gross cash expenditures, 



$160,162 90 



64 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Miscellaneous. 

Amount. 

Risks outstandingQec. 31, 1891, 181,933,267 00 
Risks written during 1892, . 9,.s75,787 00 



Total, .... $41,809,054 00 

Risks terminated during 1892, . 9,220,466 00 



In force at end of year, . . $32,588,588 00 
Deduct amount re-insured, . 5,500 00 



Cash Prem's. 

$466,209 54 
145,052 04 

$611,261 58 
134,130 06 

$477,131 52 
58 45 



Conting't Prem's. 

$466,209 54 
145,052 04 

$611,261 58 
134,130 06 

$477,131 52 
58 45 



Net amount in force, 

Losses incurred during the year, 

Percentage of profits or surplus returned during 



.$32,583,088 00 $477,073 07 $477,073 07 

$49,052 29 
1892, 25, 50, 70 per cent. 



RUBBER MANUFACTURERS 1 MUTUAL INSURANCE COMPANY, 

BOSTON. 

[Incorporated Nov. 4, 1884. Commenced business Jan. 15, 1885.] 
E. S. CONVERSE, President. B. F. TAFT, Secretary. 

Office, No. 31 Milk Street. 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. 

Fitchburg Railroad bonds, .... $5,000 00 

Boston & Lowell Railroad bonds, . . . 10,000 00 

Maine Central Railroad bonds, . . . 4,000 00 

Ticonderoga Pulp and Paper Co. bonds, . . 5,000 00 

New York &, New England Railroad bonds, . 8,000 00 

Metropolitan Railroad bonds, .... 1,000 00 

Boston Consolidated Street Railroad bonds, . 12,000 00 

Middlesex Railroad bonds, .... 1,00000 

Cambridge Street Railroad bonds, . . . 1,000 00 

Cheshire Railroad bonds, 4,000 00 

Maiden Electric Co. bonds, .... 5,000 00 

General Electric Co. bonds, . . . 1,000 00 

50 shares Gen. Electric Co , . . . . 5,000 00 

50 shares National Tube Works Co., . . 5,000 00 

Corporation notes, 81,250 00 



Market Value. 

$5,441 66 

10,183 34 
4,050 00 
5,100 00 
9,740 00 
1,057 50 

12,840 (.0 
1,082 50 
1,047 50 
4,440 00 
5,150 00 
1,004 33 
5,800 00 
5,175 00 

82,265 63 



$148,250 00 $154,377 46 

Summary of Assets Dec. 31, 1892. 

Stocks, bonds, etc., as per schedule, . , $154,377 46 

(ash in the office of the company, . . . 2,213 34 

Cash deposited in l>;mk, ..... 19,788 42 

Premiums in course of collection (gross), . 4,891 45 

Gross assets, $181,270 67 



1892.] 



INSURANCE COMPANIES. 

Liabilities. 



Losses claimed and reported, .... 816,309 77 

Unearned premiums on outstanding risks, . 76,147 55 

Tax 320 33 

Gross liabilities, 



Net oash assets, 



65 



£92,777 65 



$88,493 02 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest from all sources, . 

for rents and joint office expenses, 

for salvage on loss, . 

Gross cash income, .... 



$157,440 13 
10,840 29 

$146,599 84 

8,946 82 

1,883 79 

18 62 

? 157,449 07 



Expenditures. 

Paid for losses during the year, .... 
for salaries and fees of officers and employees, 

for State and local taxes, 

for rents and joint office expenses, . 

for profits or surplus on terminated policies, . 

for incidental expenses, 

Gross cash expenditures, . . . 



$31,634 24 
6,029 00 
1,786 38 
2,614 95 
76,509 60 
6,499 98 



$125,074 15 



Miscellaneous. 

Amount Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1891, $11,877,488 00 $129,783 01 $648,915 05 

Risks written during 1892, . 15,826,654 00 163,331 58 816,657 90 



Total $27,704,142 00 $293,114 59 $1,465,572 95 

Risks terminated during 1892, . 12,511,099 00 140,819 49 704,097 45 



In force at end of year, 



.$15,193,043 00 $152,295 10 $761,475 50 



Losses incurred during the year, $47,791 96 

Percentage of profits or surplus returned during 1892, 65 per cent. 
Average rate to date, 65 per cent. 



66 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



SALEM MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[Incorporated April IT, 1S38. Commenced business May, 1838.] 
SAMUEL A. POTTER, President. HOWARD S. PORTER, Secretary. 

Amount of permanent fund, $52,580 66 



Detailed Statement or Stocks, 



20 shares Salem National Bank, 

14 " Asiatic National Bank, Salem, . 

5 " Exchange National Bank, Salem, 

15 " Salenl Gas Light Company, 
9 " Boston & Maine Railroad, 

Cincinnati (111.) cit} T bonds, 
Springfield city bonds, 
St. Louis (Mo.) city bonds, 
Toledo (Ohio) city bonds, 
Keene (N. H.) city bonds, 
Boston & Maine Railroad bonds, 
Fitchburg Railroad bonds, 
Boston & Lowell Railroad bonds, 
Omaha city bonds, . 
Cook County bonds, . 
Haverhill city bonds, 
Chicago city bonds, . 
Old Colony Railroad bonds, 



Bonds, etc. 

Par Vaiue. 

32,000 00 
420 00 
500 00 
1,500 00 
900 00 
1,000 00 
1,000 00 
1,000 00 
2,000 00 
1,000 00 
2,000 00 
2,000 00 
3,000 00 
1,000 00 
1,01,0 00 
3,000 00 
1,000 00 
1,000 00 



Market Value. 

$2,615 00 
448 00 
535 00 
1,275 00 
1,355 00 
1,235 00 
1,250 00 
1,005 00 
2,070 00 
1,040 00 
2,022 50 
2,105 00 
3,050 00 
1,000 00 
1,000 00 
3,015 CO 
1,000 00 
1,070 00 



$25,320 00 $27,090 50 



Summary of Assets Dec. 31, 1892. 

Cash value of unencumbered real estate, . $10,000 00 

Loans on mortgage of real estate (first liens), 31,450 00 

Stocks, bonds, etc., as per schedule, . . 27,090 50 

Cash deposited in bank, 246 08 

Premiums in course of collection (gross), . 1,293 06 

Interest due and accrued, .... 1,578 87 

Rents due, 60 00 

Safe and office furniture, . . $300 00 

Gross assets, $71,718 51 

Liabilities. 

Losses claimed and reported, .... $864 00 

Unearned premiums on outstanding risks, . 11,024 77 

Return premiums on cancelled policies, . 15 75 

Surplus due on terminated policies, . . 538 19 

Commissions and brokerage, . . . . 213 65 

Rents, salaries and incidental expenses, . . 119 19 

Gross liabilities, » 12,775 55 

Net cash assets, $58,942 96 



1802.] 



INSURANCE COMPANIES. 



67 



Income. 
Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, . 
Received for interest on mortgages, 

for interest from all other sources, . 

for rents, 

Gross cash income, . . . . . 



Expenditures. 

Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for State and local taxes, . 

for rents, 

for profits or surplus on terminated policies, 
for incidental expenses, . 



Gross cash expenditures, 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31,1891, $1,092,850 00 
Risks written during 1892, . 851,119 33 

Total $1,943,969 33 

Risks terminated during 1892, . 447,096 77 

In force at end of year, . . $1,496 872 56 
Deduct amount reinsured, . 1,500 00 



$12,591 


88 


220 


17 


$12,371 


71 


1,420 


61 


1,361 


89 


128 


58 


$15,282 


79 


$3,170 78 


1,492 


79 


1,875 


03 


114 


22 


234 


38 


2,891 


95 


695 


92 


$10,475 


07 



Net amount in force, . 



Cash I'rem's. Contlnct Prem's. 

$17,060 68 $17,060 68 
12,476 69 12,476 69 



$29,537 37 
7,480 64 

$22,056 73 
7 20 



$29,537 37 

7,480 64 

822,05G 73 

7 20 



Losses incurred during the year, 

Percentage of profits or surplus returned during 

Average rate to date, 40 j>er cent. 



$1,495,372 56 $22,049 53 $22,049 53 

$4,034 78 
1892, 48£ per cent. 



SALISBURY AND AMESBURY MUTUAL FIRE INSURANCE 
COMPANY, AMESBURY. 

[Incorporated May 18, 1855. Commenced business June 13, 1855.] 
GEORGE F. BAGLEY, President. CHARLES L. ALLEN", Secretary. 

Summary of Assets Dec. 31, 1892. 

Cash in the office of the company, . . . $98 19 

Cash deposited in bank, 413 35 

Office safe, $100 00 

Gross assets, $511 54 



08 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Liabilities. 
Unearned premiums on outstanding risks, . $1,068 51 

Gross liabilities, £1,068 51 



$363 


70 


49 


63 


$314 07 


12 


14 



Balance against company, $556 97 

Income. 

Cash premiums received during the year, .... 
Deduct return premiums, 

Net cash premiums received, 

Received for interest from all sources, 

Gross cash income, . . $326 21 

Expenditures. 

Paid for losses during the year, 

for salaries and fees of officers and employees, 

for State and local taxes, 

for incidental expenses, 

Gross cash expenditures, $243 15 

Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1891, . $271,487 00 $2,263 43 $22,634 30 
Risks written during 1892, . . 44,150 00 363 70 3,637 00 



$24 00 


154 


00 


2 


97 


62 


18 



Total $315,637 00 $2,627 13 $26,271 30 

Risks terminated during 1892, . 59,950 00 490 10 4,901 00 



In force at end of year, . . . $255,687 00 $2,137 03 $21,370 30 
Losses incurred during the year, $24 00 



SAUGUS MUTUAL FIRE INSURANCE COMPANY, SAUGUS. 

[Incorporated Feb. 24, 1852. Commenced business April 1, 1852.] 

HERBERT B. NEWIIALL, President. WILBUR F. NEWHALL, Secretary. 

[Note. — This company insures nothing but dwellings, farm buildings and their contents, in 
Lynn, Saugus, Lynniield, Swampscott and Nahant. No cash premiums are taken; but assess- 
ments are made on deposit notes to pay losses and expenses. All policies are issued for a term 
of three years.] 

Summary of Assets Dec. 31, 1892. 

( 'usli in the office of the company, . . . $227 96 

Unpaid assessments on deposit notes, . . 70 00 

Gross assets, $297 96 



1892.] 



INSURANCE COMPANIES. 



69 



Liabilities. 

>b claimed and reported, . 
Due for borrowed money, 

Gross liabilities, .... 

Income. 
Received from assessments on deposit notes, 
Received from policy fees, 



}150 00 
700 00 



Gross cash income, 



Expenditures. 

Paid for losses during the year, 

for salaries and fee* of officers and empl 
for interest on borrowed money, 
for State and local taxes, . 

for rents, 

for incidental expenses, . 



Gross cash expenditures, 



Miscellaneous 



Risks outstanding Dec. 31, 1891, 
Risks written during 1892, 



Total, 

Risks terminated during 1892, . 

In force at end of year, 

Losses incurred during the year, 



oyees, 



$850 00 



$3,763 95 
576 00 



$4,339 95 



$2,653 09 


1,400 00 


11 67 


3-4 81 


187 50 


131 90 



$4,418 97 



Amount. Conting't Prem's. 

$2,986,550 00 $368,645 00 
967,500 00 119,273 00 



$3,954,050 00 
1,008,250 00 



$487,918 00 
123,729 00 



$2,945,800 00 $364,189 00 
$2,803 09 



Assessments laid on deposit notes or contingent premiums, . 



3,654 05 



SOUTH DANVERS MUTUAL FIRE INSURANCE COMPANY, 

PEABODY. 

[Incorporated June 12, 1829. Commenced business Aug. 1, 1829.] 
WILLIAM P. CLARK, President. GEORGE M. FOSTER, Secretary. 

Amount of permanent fund, $54,125 18 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

$11,100 00 $14,346 75 

4,800 00 6,432 00 

1,530 00 1,632 00 

2,000 00 2,765 00 

1,800 00 1,928 25 



111 shares South Dan vers Natl Bank, Peabody, 
48 " Warren National Bank, Peabody, . 
51 " Asiatic National Bank, Salem, 
20 " Naumkeag National Bank, Salem, . 
18 " National Exchange Bank, Salem, . 



70 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



12 share- First National Hank, Salem, . 
84 " First National Hank, Panvers, 
30 M Hide Oe Leather Natl Bank, Boston. 
8 " Andover National Bank, Andover, 
1 M Cape Ann Nat 1 ! Bank, Gloucester, 
10 " Manufacturers 1 Nat 1 ! Hank, Boston 
10 " Naurakeag Steam Cotton Co., 
20 " Androscoggin Mills, 

Cincinnati city bonds 

Boston & Maine Railroad bonds, 
Eastern Railroad bonds, .... 
Ogdensburg & Lake Champlain R R. bonds, 
Wakefield Water Company bonds, . 
Providence city bonds, • ... 



Pur Value. 

$1,200 00 

2,550 00 
3,000 00 
800 00 
100 00 
1,000 00 
1,000 00 
2,000 00 
2,000 00 
2,000 00 
2,000 00 
3,000 00 
2,000 00 
7,000 00 



Summary of Assets Dec. 31, 1892. 



Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, . 
Interest accrued, 

Gross assets, . . . 

Liabilities. 

Losses adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Rents, salaries and incidental expenses, . 
Gross liabilities, .... 



$60,92-4 50 

417 00 

7,472 03 

558 00 



$326 02 

12,164 95 

663 50 

406 70 



Net cash assets, 

Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest from all sources, . 
Received from policy fees, 

Gross cash income, .... 

Expenditures. 

Paid for losses during the year, .... 
for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies, . 
for incidental expenses, 

GrOSfl Cash expenditures, 



Market Value. 

$1,395 00 

2,745 50 

3,765 00 
880 00 

140 00 

1,030 00 

1,125 00 

3,090 00 

2,515 00 

2,000 00 

2,400 00 

3,210 00 

2,000 00 

7,525 00 



$50,880 00 $60,924 50 



$69,371 53 



13,561 17 
$55,810 36 



$5,170 38 
801 53 



$4,868 85 

2,903 20 

169 00 

$7,941 05 



$938 


46 


1,273 


00 


45 


30 


4,475 


38 


51 


75 


$6,783 


89 



18D2.] 



INSURANCE COMPANIES. 



71 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1891, $1,109,625 50 

240,150 00 

$1,349,775 50 
217,275 00 



Risks written during 1892, 

Total 

Risks terminated during 1892, 

In force at end of year, 

Losses incurred during the year, 



Cash Prem's. Conting't Prem's. 

$23,824 15 $71,482 45 



5,170 38 

$28,994 53 
4,664 63 



15,511 14 

$86,993 59 
14,003 89 



$1,132,500 50 $24,329 90 $72,989 70 



$1,264 48 



Percentage of profits or surplus returned during 1892, 100 per cent. 



TRADERS' AND MECHANICS 1 MUTUAL FIRE INSURANCE 

COMPANY, LOWELL. 

[Incorporated June, 1848. Commenced business June, 1848.] 
LEVI SPRAGUE, President. EDWARD M. TUCKE, Secretary. 



Amount of permanent fund Dec. 31, 1891, 
Increase during the year, 



. $398,985 15 
11,113 54 



Permanent fund Dec. 31, 1892,. 



. $410,098 69 



Detailed Statement of Stocks, 



2<i shares Androscoggin Mills, 

2 " Hamilton Manufacturing Company, 
50 " Lawrence Gas Company, 
224 " Lowell Gas Company, 
5 " Lowell Manufacturing Company, 
8 " Massachusetts Cotton Mills, . 
10 " Merrimack Manufacturing Co., 
15 " Middlesex Company, 
38 " Tremont & Suffolk Mills, 
30 " Old Lowell National Bank, . 
20 " National Bank of North America, 
50 " Connecticut River Railroad, . 
25 " Vermont & Massachusetts R R., 
4 " Boott Cotton Mills, . 
Connecticut & Passumpsic Rivers R.R. bonds 
East Middlesex Street Railway bonds, . 
Boston United Gas Company bonds, 
Swift & Company bonds, .... 
Lowell & Suburban St. R.R. Co. bonds, . 



Bonds, etc. 

Par Value. 

$2,000 00 

2,000 00 

5,000 00 

22,400 00 

3,450 00 

8,000 00 

10,000 00 

1,500 00 

3,800 00 

3,000 00 

2,000 00 

5,000 00 

2,500 00 

4,000 00 

1,000 00 

10,000 00 

10,000 00 

5,000 00 

20,000 00 



Market Value. 

$3,000 00 

2,100 00 

7,000 00 

56,000 00 

3,250 00 

8,360 00 

11,750 00 

2,100 00 

5,016 00 

3,750 00 

2,460 00 

12,500 00 

3,500 00 

5,400 00 

1,000 00 

10,500 00 

8,750 00 

5,125 00 

20,000 00 



$120,650 00 $171,561 00 



72 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Securities held as collateral for cash loans : — 



1 share Appleton Company, 

Lowell & S. Street R.R. bonds, 

100 shares American Investment Company, 

50 " 

70 ■ 

125 4 

1 " 
10 4 

6 ' 
30 " 



1 Lowell & S. Street R.R. Co., 
4 American Bolt Company, 
4 Thorndike MTg Company, 
4 Merrimack MTg Company, 
4 Bates MTg Company, 
4 Vermont & Massachusetts R.R., 
4 Lowell Gas Light Company, . 
Lexington Water Works bonds, 
50 shares Greene & Wood MTg Company, 
1 share Mass. Cotton Mills, 



Market Value. 


Loaned Thereon. 


?600 00 


$200 00 


60,000 00 


55,000 00 


5,000 00 


5,000 00 


6,000 00 


5,000 00 


7,400 00 


5,200 00 


12,500 00 


7,000 00 


2,500 00 


1,400 00 


840 00 


750 00 


7,500 00 


4,000 00 


2,000 00 


2,000 00 


2,500 00 


2,500 00 


1,045 00 


1,000 00 



$107,885 00 $89,050 00 



Summary of Assets Dec. 31, 1892. 

Loans on mortgage of real estate (first liens), $246,124 00 

171,561 00 

89,050 00 

146,650 00 

919 59 

7,321 87 

12,810 07 

8,048 80 



Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
Loans on personal security, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Gross assets, 



$682,485 33 



Liabilities. 

Losses adjusted, unpaid, $2,267 96 

Unearned premiums on outstanding risks, . 268,302 81 

Commissions and brokerage, .... 1,815 87 

Gross liabilities, 



272,386 64 



Net cash assets, $410,098 69 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, .... 
Received for interest on mortgages, 
Received for interest from all other sources, . 



$154,025 04 
4,640 16 

$ 149,384 88 
10,984 06 
22,860 73 



Gross cash income, $183,229 67 



1892.] 



INSURANCE COMPANIES. 



73 



ExrENDITUHES. 

Paid for losses daring the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, ... 



$58,314 06 

22,172 61 

K>,900 00 

1,611 60 

1,600 00 

63,157 31 

5,449 00 



$163,204 58 



Miscellaneous. 

Amount. 

Risks outstanding Deo. 31,1891, $32,858,192 00 



Risks written during 1892, 

Total 

Risks terminated during 1892, 

In force at end of year, 

Losses incurred during the year, 



10,701,993 00 

$43,560,185 00 
8,164,233 00 

$35,395,952 00 



Cash Prom's. Conting't Prem'8. 

$495,728 25 $495,728 25 
163,638 35 163,638 35 



$659,366 60 $659,366 60 
122,760 99 122,760 99 



$536,605 61 $536,605 61 
$60,582 02 



Percentage of profits or surplus returned during 1892, 30, 50, 70 per cent. 



WACHUSETT MUTUAL FIRE INSURANCE COMPANY, 

FITCHBURG. 

[Incorporated May 8, 1891. Commenced business July 15, 1891.] 
HENRY A. GOODRICH, President. FREDERICK A. CURRIER, Secretary. 

Summary of Assets Dec. 31, 1892. 
Loans on collateral security, .... 
Cash in the office of the company, . 

Cash deposited in bank, 

Premiums in course of collection (gross), 
Office furniture and fixtures, . . $750 00 
Gross assets, 



Liabilities. 

Losses claimed and reported, . 

Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Rents, salaries and incidental expenses, . 
Gross liabilities, 

Net cash assets, 

Income. 
Cash premiums received during the year, 
Deduct, return premiums, . 

Net cash premiums received, . 

Gross cash income, .... 



$410 


00 


4 


71 


12,854 


97 


4,126 


72 


$1,000 00 


14,594 


29 


619 


00 


150 00 



$17,396 40 



16,363 29 



$1,033 11 



$28,349 46 
2,586 24 



$25,763 22 



$25,763 22 



74 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Expenditures. 
Paid for losses daring th<> year, .... 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for State and local taxes, 

for rents, ........ 

for profits or surplus on terminated policies, . 
for incidental expenses, ..... 

Gross cash expenditures," 



$6,271 22 

3,902 45 

1,851 5-4 

285 82 

320 00 

522 32 

1,833 89 

$14,987 24 



Risks outstanding Dec. 31,1891, 
Risks written during 1892, 



Miscellaneous. 

Amount. 

$752,207 00 
1,822,530 00 



Total, .... 
Risks terminated during 1892, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



>,574,737 00 
684,714 00 



$1,890,023 00 
1,250 00 



Cash Prem'8. Contlng't Prem's. 

$10,679 96 $10,679 96 
28,349 46 28,349 46 



$39,029 42 
9,834 58 



,194 84 
6 25 



$1,888,773 00 $29,188 59 



$39,029 42 
9,834 58 

$29,194 84 
6 25 



Losses incurred during the year, i 

Percentage of profits or surplus returned during 1892, 10 per cent 
Average rate to date, 10 per cent. 



$29,188 59 
$7,271 22 



WESTFORD MUTUAL FIRE INSURANCE COMPANY, 

VVESTFORD. 

[Incorporated March 16, 1840. Commenced business July, 1840.] 
ALLEN CAMERON, President. J. HENRY READ, Secretary. 



Summary- of Assets Dec. 31, 1892. 

Loans on mortgage of real estate (first liens), 
Loans on personal security, 
Cash in the office of the company, . 
Cash deposited in savings banks, 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Gross assets, 

Liabilities. 
Unearned premiums on outstanding risks, 
Rents, salaries and incidental expenses, . 
Gross liabilities, .... 

Net cash assets, .... 



$2,627 84 




53 50 




469 66 




4,347 97 




680 20 




192 16 






$8,371 33 




$1,366 64 




47 15 






1,413 79 


* 



1,957 54 



18U2.] INSURANCE COMPANIES. 75 

Income. 

Cash premiums received during the year, .... 
Deduct return premiums 

Net cash premiums received, 

Received for interest on mortgages, . . • . 

Received for interest from all other sources, .... 

Gross cash income, $1,099 30 



Expenditures. 

Paul for salaries and fees of officers and employees, . . $41 60 

Paid for State and local taxes, 5 55 



8680 60 


2 


33 


$678 


27 


192 


16 


228 


87 



Gross cash expenditures, $47 15 

Miscellaneous. 

Amount. Cash Prom's. Conting't Prem'a. 

Risks outstanding Dec. 31, 1891, $322 610 00 $2,083 83 $8,766 35 

Risks written during 1892, . 85,875 00 675 35 2,026 05 



Total $108,485 00 $3,359 18 $10,792 40 

Risks terminated during 1892, . 86,875 00 625 90 1,876 70 



In force at end of year, . . $321,610 00 $2,733 28 $8,915 70 



WEST NEWBURY MUTUAL FIRE INSURANCE COMPANY, 

WEST NEWBURY. 

[Incorporated March, 1828. Commenced business April, 1828.] 

WILLIAM MERRILL, President. HENRY T. BAILEY, Secretary. 

[Note. — This company charges no cash premiums, but relies upon assessments on deposit 
notes to pay losses and expenses.] 

Summary of Assets Dec. 31, 1892. 

Cash deposited in bank, $901 37 

Office furniture, . . . . $100 00 

Gross assets, $901 37 

Liabilities. 

Losses adjusted, unpaid, $800 00 

Due for borrowed money, . . . . 2,300 00 

Rents, salaries and incidental expenses, . . 315 00 

Gross liabilities, $3,415 00 



76 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 

Received from assessments on deposit notes, 

Received from all other sources, 

Received on treasurer's notes, .... 



$1,002 00 



Gross cash income, 



Expenditures. 

Paid f«>r losses during the year, . 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for interest on borrowed money, 

for State and local taxes, . 

for rents 

for incidental expenses, . 
for borrowed money, 



Gross cash expenditures, . 

Miscellaneous. 

Risks outstanding Dec. 31, 1891, 
Risks written during 1892, 

Total 

Risks terminated during 1892, . 

In force at end of year, . 
Losses incurred during the year, 



$1,431 00 



Amount. 

$2,788,993 00 
748,395 00 



$3,537,388 00 
868,989 00 

$2,668,399 00 



$5,350 73 
130 74 



$5,481 47 



$3,324 95 

7 97 

398 00 

164 32 

49 15 

15 00 

91 08 



$4,050 47 

Conting't Prom's. 

$154,976 46 
43,356 55 

§198,333 0L 
49,791 23 

$148,541 78 
$4,124 95 



WORCESTER MANUFACTURERS' MUTUAL INSURANCE 
COMPANY, WORCESTER. 

[Incorporated March 31, 1855. Commenced business March 31, 1855.] 
GEORGE M. RICE, President. SAMUEL R. BARTON, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Boston & Lowell Railroad bonds, . . . $20,000 00 $20,600 00 

Fitehburg Railroad bonds, .... 30,000 00 31,500 00 

Old Colony Railroad bonds, .... 45,000 00 46,400 00 

Providence & Worcester Railroad bonds, . 13,000 00 13,975 00 

Chicago, Burl. & Quiney Railroad bonds, . 25,000 00 23,062 50 

Chicago & Eastern Illinois Railroad bonds, . 15,000 00 18,112 50 

Worcester ( Jonsolidated Street R R. bonds, . 14,000 00 14,700 00 

60 shares City National Bank, Worcester, . 6,000 00 8,820 00 

Conc.nl & Montreal Railroad bonds, . . 20,000 00 20,200 00 

Corporation notes, 50,000 00 50,000 00 



$238,000 00 £247,370 00 



1892.] 



INSURANCE COMPANIES. 



77 



Summary of Assets Dec 

Stocks, bonds, etc., as per schedule, 
('ash in the office of the company, . 
Cash deposited in bank, .... 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 

Taxes accrued, 

Gross liabilities, .... 

Net cash assets, ..... 

Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest from all sources, . 

Gross cash income, .... 



;. 31, 1892. 






. $247,370 00 




692 


00 




27,100 


G9 


$275,162 69 


$197 


52 


395 


75 




115,440 


15 




378 


36 


116,411 78 




• 


• ■ • 


$158,750 91 






$232,014 69 


• 


■ 


5,558 40 



$226,456 29 
13,264 35 

$239,720 64 



Expenditures. 

Paid for losses during the year, .... 

for salaries and fees of officers and employees, 
for inspection, ...... 

for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, 
for incidental expenses, .... 

Gross cash expenditures, . 



$15,041 69 

6,527 40 

4,220 86 

2,270 73 

900 00 

193,011 73 
1,287 93 

$223,260 34 



Miscellaneous. 

Amount. Cash Trent's. Conting't Prem's. 

Risks outstanding Dec. 31, 1891, $25,737,425 00 $221,571 50 $1,095,171 60 

Risks written during 1892, . 27,494,425 00 232,014 69 1,160,073 45 



Total, .... $53,231,850 00 $453,586 19 $2,255,245 05 

Risks terminated during 1892, 26,200,215 00 222,705 90 1,110,624 65 



Net amount in force, . |27,031,635 00 $230,880 29 $1,144,620 40 

Losses incurred during the year, $12,312 86 

Percentage of profits or surplus returned during 1892, 89 ^ per cent. 
Average rate to date, 70 T 4 5 9 o P er cetlt - 



78 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



WORCESTER MUTUAL FIRE INSURANCE COMPANY, 

WOBOESTER. 

[Incorporated Feb. 11, 1823. Commenced business May 1, 1824.] 
JOHN A. FAYKItWKATIIKU, President. ROGER F. UPHAM, Secretary. 



Amount of permanent fund Dec. 31, 1891, 
Increase during the year, .... 



Permanent fund Dec. 31, 1892,. 



Detailed Statement of Stocks, Bonds, etc. 



170 shares Worcester National Bank, 

200 " City National Bank, 
50 " Citizens 1 National Bank, 
22 " Central National Bank, . 
57 " Mechanics 1 National Bank, 
45 " Quinsigamond National Bank 
40 M Fitchburg National Bank, 
15 " Blackstone National Bank, 
20 " Oxford National Bank, . 
15 " Southbridge National Bank, 
20 " Westborough National Bank, 
25 " Wachusett National Bank, 

Union Pacific Railroad bonds, . 

Boston, Barre & Gardner Railroad bonds, 

Fitchburg Railroad bonds, 

Worcester Consolidated Street Railway bonds, 

Atchison, Topeka & Santa Fe Railroad bonds, 



Securities held as collateral for cash loans 

42 shares Richardson Manufacturing Co., 
Savings bank books assigned, . 
60 shares Howard Bros. Manufacturing Co., 
15 shares Worcester Gas Light Company, 
50 shares Worcester Corset Company, . 



l'ar Vulue. 

$17,000 00 
20,000 00 
5,000 00 
2,200 00 
5,700 00 
4,500 00 
4,000 00 
1,500 00 
2,000 00 
1,500 00 
2,000 00 
2,500 00 
5,000 00 
12,000 00 
25,000 00 
5,000 00 
5,800 00 



$378,298 73 
1,875 94 

$380,174 (37 



Market Value. 

$24,050 00 

29,000 00 

6,250 00 

3,190 00 

5,985 00 

5,625 00 

6,000 00 

1,770 00 

2,000 00 

1,875 00 

2,200 00 

5,000 00 

5,400 00 

12,000 00 

25,250 00 

5,050 00 

4,236 00 



$120,700 00 $145,481 00 



Market Value. Loaned Thereon. 



M,200 00 
1,105 26 
6,000 00 
2,400 00 
5,000 00 



$2,000 00 

600 00 

5,000 00 

1,500 00 

2,880 00 



$18,705 26 $11,980 00 



Summary of Assets Dec. 31, 1892. 

Cash value of unencumbered real estate, . $85,000 00 

Loans on mortgage of real estate (first liens), 336,493 00 

Stocks, bonds, etc., as per schedule, . . . 145,481 00 

Loans on collateral security, as per schedule, 11,980 00 

Loans on personal security, .... 16,354 16 

Cash in the office and in bank, . . . 48,517 10 

Premiums in course of collection (gross), . 9,053 82 

Interest due and accrued, 8,250 11 

Gross assets, 



$661,129 19 



1892.] 



INSURANCE COMPANIES. 



79 



Liabilities. 

-os adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, . 
Surplus due on terminated policies, 
Commissions and brokerage, . 

Gross liabilities, 



Net cash assets, 



$4,300 00 

272,735 62 

180 27 

1,786 93 

1,951 70 



$280,954 52 
$380,174 67 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest from all sources, . 
Received for rents, 



$140,071 24 
5,441 36 

$134,629 88 

26,361 58 

6,659 18 



Gross cash income, $167,650 64 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, 



$43,184 81 
16,331 44 
11,704 84 

3,432 72 
75,181 35 

5,367 26 

$155,202 42 



Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31,1891, $36,048,045 00 $528,507 66 $528,507 66 

Risks written during 1892, . 9,761,09100 139,166 01 139,166 01 



Total, $45,809,136 00 $667,673 67 $667,673 67 

Risks terminated during 1892, . 8,585,221 00 122,202 43 122,202 43 



In force at end of year, 



. $37,223,915 00 $545,471 24 $545,471 24 



Losses incurred during the year, $46,040 03 

Percentage of profits or surplus returned during 1892, 50 and 70 per cent. 



80 



MUTUAL FIRE INS. COS. [Dec. 31/93. 



AGGREGATE. 



Guaranty capital, 



Gross present assets, . 



Assets. 



Liabilities. 
Gross present liabilities, .... 

Income. 
Cash received for premiums during the year, 
for interest and dividends, . 
for assessment on deposit notes, 
for rents, .... 
from all other sources, . 

Gross cash income, .... 



Expenditures. 

Cash paid for losses, 

for brokerage and commission on premiums, 
for salaries and fees of officers and employees 
for interest on borrowed money, 
for State and local taxes, . 

for rents, 

for return of profits or surplus, 
for dividends on guaranty capital, 
for all other expenditures, . 

Total expenditures, 

General Items. 
Risks written during the year, .... 
terminated during the year, 
outstanding at end of year, 
Amount of contingent premiums received thereon, 
of losses incurred during the year, 
of permanent fund, .... 



$300,000 00 



$10,271,354 00 



$4,648,264 00 



$4,457,062 


00 


443,838 


00 


12,200 


00 


29,122 


00 


3,099 


00 


$4,945,321 00 


$994,380 00 


286,391 


00 


251,389 


00 


483 


00 


54,057 


00 


20,448 


00 


2,617,575 


00 


21,000 


00 


150,937 


00 


$4,396,660 00 


$147,643,947 00 


396,735,764 


00 


748,259,992 


00 


20,746,946 


00 


• 1,031,904 


00 


4,164,396 


00 



MASSACHUSETTS 

MUTUAL MARINE INSURANCE COMPANIES. 



Detailed Statement of Ajssets and Liabilities, with Abstract 

of Annual Statements for the Year Ending 

December 31, 1892. 



S2 MASSACHUSETTS MUTUAL MARINE [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



CHINA MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated April 30, 1853. Commenced business Oct. 1, 1853.] 
EDMUND A. POOLE, President. WILLIAM H. LORD, Secretary. 

Office, No. 70 Kilby Street. 



Detailed Statement of Stocks and Bonds. 



100 shares Atlas National Bank, 

100 " Columbian National Bank, 

100 " Commerce National Bank, 

100 " Continental National Bank, . 

100 " Hide and Leather National Bank, 

100 " New England National Bank, 

100 " North National Bank, . 

100 " Republic National Bank, 

50 " Old Boston National Bank, 

100 " Tremont National Bank, 

100 " Washington National Bank, 

75 " Boston & Albany Railroad, 

200 " Boston & Lowell Railroad, 



Tar Value. 

$10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 

5,000 00 
10,000 00 
10,000 00 

7,500 00 
20,000 00 



Market Value. 

$12,400 00 
10,750 00 
12,800 00 
12,600 00 
12,550 00 
16,100 00 
13,100 00 
16,100 00 
5,375 00 
10,200 00 
11,200 00 
15,600 00 
37,300 00 



Securities held as collateral for cash loans : — 

Corporation notes, 

Personal loans, 



$132,500 00 $186,075 00 



Market Value. Loaned Thereon. 

$2,500 00 $2,500 00 
5,000 00 5,000 00 



$7,500 00 $7,500 00 



Summary of Assets Dec 

Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the ollice of the company, . 
Cash deposited in bank, .... 



31, 1892. 

$186,075 00 

7,500 00 

4,581 97 

34,599 12 



1892.] 



INSURANCE COMPANIES. 



83 



Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Re-insurance, etc., due, . 

Gross assets, 



$38,390 89 

109,488 13 

15,316 61 



$395,951 72 



Liabilities. 



Losses claimed and reported, 
Less re-insurance, 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
Commissions and brokerage, . 

Gross liabilities, except scrip, . 



Surplus as regards policy-holders, . 

Scrip outstanding, not ordered to be redeemed, 



$50,960 00 

7,500 00 

$43,460 00 

97,804 97 

60 00 

600 00 

2,000 00 



143,924 97 



Impairment of scrip reserve, 



$252,026 75 
506,090 00 

$254,063 25 



Income. 

Marine premiums outstanding Dec. 31, 1891, . $158,206 37 

Same not collected, 3,757 81 

Net collected, $154,448 56 

Premiums on risks written or renewed, . . 315,912 87 



Total., $470,361 43 

Premiums now in course of collection, . . 147,879 02 



Entire premiums collected, .... $322,482 41 
Less re-insurance and return premiums, . . 58,577 76 

Net cash marine premiums received, 
Interest and dividends received from all sources, . 



$263,904 65 
11,395 00 



Gross cash income, $275,299 65 



Expenditures. 
Cash paid for marine and inland losses, . 
Deduct salvage and re-insurance, 
Net cash paid for marine and inland losses, . 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 



$342,362 17 
78,240 08 



$264,122 09 

17,583 46 

17,300 00 

2,820 80 

11,797 06 



Gross cash expenditures, . 



$313,623 41 



Si MASSACHUSETTS MUTUAL MARINE [Dec 31, 



Risks and Premiums. 



Marine risks outstanding Dec 31, 1891, 
Marine risks written during 1892, . 

Total, 

Deduct risks expired and terminated, 

It. force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



. $5,078,482 
. 22,799,525 



00 
00 



. $27,878,007 
. 23,241,153 



00 
00 



. $4,636,554 
515,173 



00 
00 



Premiums. 

3194,390 63 
315,912 87 



$510,303 50 
335,052 57 

$175,250 93 
18,234 37 



. $4,121,381 00 $157,016 56 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Marine and inland losses incurred during the year, 



$15,545,478 00 

. 10,990,083 00 

205,521 00 



INDIA MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated March 29, 1867. Commenced business May 2, 1867.] 

Guaranty Fund Paid up in Notes, $51,000. 

JOHN H. DANE, President. H. B. ALDEN, Secretary. 

Office, No. 13 Congress Street. 



Detailed Statement of Stocks 



Old Colony Railroad bonds, 

Fitchburg Railroad bonds, 

Nashua & Rochester Railroad bonds, 

Boston & Maine Railroad bonds, 

New York & Xevv England Railroad bonds, 

Metropolitan Railroad bonds, . 

Boston & Lowell Railroad bonds, 

( Consolidated Railroad of Vermont bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

160 shares Old Colony Railroad, 

75 

80 ' 
100 ' 

80 ■ 

10 

60 ' 

10 ' 

60 ■ 

16 ■ 

10 ' 



Boston & Providence Railroad, 
Boston & Maine Railroad, 
West End Railroad, 
Boston & Albany Railroad, 
Chicago, Burling 1 !) & Quincy R R. 
New York & New England R.R., 
Southern Oregon Company, . 
National Webster Bank, . 
Hamilton National Bank, 
Everett National Bank, . 



and Bonds. 

Tar Value. 

$15,000 00 

13,000 00 

15,000 00 

5,000 00 

5,000 00 

5,000 00 

5,000 00 

10,000 00 

2,000 00 

15,000 00 

7,500 00 

8,000 00 

5,000 00 

3,000 00 

4,000 00 

5,000 00 

1,000 00 

6,000 00 

1,500 00 

1,000 00 



Market Value. 

$15,650 00 

13,780 00 

15,000 00 

5,200 00 

6,000 00 

5,300 00 

5,250 00 

9,5C0 00 

2,080 00 

27,900 00 

18,975 00 

13,600 00 

8,500 00 

6,240 00 

4,000 00 

5,000 00 

843 00 

6,000 00 

1,800 00 

1,000 00 



Companies 1 own scrip, 



1,690 00 



$132,000 00 $171,618 00 



1892.] 



INSURANCE COMPANIES. 



85 



Summary of Assets Dec 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 

Notes taken for marine and inland risks, 
Subscription notes on time, not exceedin 
twelve months, not yet due, . 

Cross assets, 

Liabilities. 

Losses claimed and reported, . 

Losses disputed or resisted, 

Unearned premiums on outstanding risks, 

Interest due or accrued on scrip, 

Due for borrowed money, 

Gross liabilities, except guaranty fund 
and scrip, 

Surplus as regards policy-holders, . 

Guaranty fund, 

Scrip outstanding, not ordered to be redeemed, 

Impairment of scrip reserve, ... 

Income. 
Marine premiums outstanding Dec. 31, 1891, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 



31, 1892. 

$171,618 00 

447 48 

5,178 41 

39,768 Gl 

51,000 00 



$ 14,000 00 

4,000 00 

36,920 21 

134 38 

10,000 00 



$51,000 00 
156,272 00 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest and dividends received from all sources, 

Gross cash income, 

Expenditures. 
Cash paid for marine and inland losses, . 
Deduct salvage and re-insurance, . 

Net cash paid for marine and inland losses, . 
Interest paid scrip-holders, .... 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 

Gross cash expenditures, .... 



$42,855 58 
1,814 82 

$ 11,040 76 
122,133 83 

$163,174 59 
39,768 61 

$123,405 98 
9,664 04 



$132,617 05 
12,231 93 



$268,012 50 



65,054 59 

$202,957 91 

207,272 00 
$4,314 09 



$113,741 94 

7,487 05 

$121,228 99 



$120,385 12 
4,700 48 
8,766 42 
9,940 00 
1,472 73 
6,388 40 

$151,653 15 



8ti MASSACPIUSETTS MUTUAL MARINE [Dec. 31, 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1891, 
Marine risks written during 1892, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

M ,316,398 00 $71,692 -43 
6,907,467 00 122,133 83 



$8,223,865 00 $193,*26 26 
7,142,836 00 134,234 67 



$1,081,029 00 $59,591 59 
57,967 00 1,085 07 



. $1,023,062 00 $58,506 52 



Miscellaneous. 

Premiums received from organization of company, . . $3,404,393 00 
Losses paid from organization of company, .... 2,393,996 00 
Marine and inland losses incurred during the year (estimated), 122,385 00 



1892.] 



INSURANCE COMPANIES. 



87 



AGGREGATE. 



Whole amount of guaranty fund, in subscription notes, 
Whole amount of outstanding scrip not cancelled, . 



Assets. 



Gross present assets, . 



Liabilities. 
Gross present liabilities, 

Income. 
Cash received during the year for marine premiums, 
Cash received for interest and dividends, . 

Gross cash income, 

Expenditures. 
Cash paid during the year for marine losses, 

for brokerage and commissions on premiums, 
for salaries of officers and employees, 
for State and local taxes, .... 
for interest paid scrip-holders during year, 
for incidental expenses, .... 

Gross cash expenditures, 

General Items. 
Marine risks written during the year, 
Premiums charged or receivable thereon, . 
Marine risks terminated during the year, . 
Marine risks outstanding at end of year, . 
Marine losses incurred during the year, 



♦51,000 00 
662,362 00 



$663,964 00 



$208,980 00 



8377,647 00 
18,882 00 



$396,529 00 



$384,507 00 

26,349 00 

27,240 00 

4,294 00 

4.700 00 

18,186 00 



$465,276 00 



$29,706,992 00 

438,047 00 

30,384,289 00 

5,144,443 00 

327,906 00 



MASSACHUSETTS 

JOINT-STOCK FIEE, MARINE, AND FIRE-MARINE 

INSURANCE COMPANIES. 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1892. 



90 



MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES, 



AMERICAN INSURANCE COMPANY, BOSTON. 

[Incorporated June 12, 1818. Commenced business June, 1818.] 

Paid-up Capital, $300,000. 

FRANCIS PEABODY, President. J. W. FIELD, Secretary. 

Office, No. 47 Kilby Street. 



Detailed Statement of Stocks 



200 " Columbian National Bank, 

45 " National Eagle Bank, 
170 " Globe National Bank, 
142 " Hamilton National Bank, 

62 " New England National Bank, 
100 " Suffolk National Bank, , 
152 " State National Bank, 
280 " National Union Bank, . 
100 " Merchants 1 National Bank, 

56 " Tremont National Bank, 

69 " Washington National Bank, 
578 " Boston & Albany Railroad, 

13 " Boston & Lowell Railroad, 
200 " Old Colony Railroad, 

8 " Merrimack Manufacturing Co., 
Chicago, Burlington & Quincy R.R. bonds, 

Eastern Railroad bonds, 

Chicago, Milwaukee & St. Paul Railroad bonds, 
Cincinnati, Ind., St. Louis & Chic. R.R. bonds, 



Securities held as collateral for cash loans: — 



200 shares P^ssex Building Co , 

1 share Pacific Mills, 
Oregon Improvement Co., 
50 shares Tamarack Mining Co., 
700 " West End Land Co., 
100 " Chicago Junction Railway, 



and Bonds. 

Par Value. 

$22,200 00 
20,000 00 

4,500 00 
17,000 00 
14,200 00 

6,200 00 
10,000 00 
15,200 00 
28,000 00 
10,000 00 

5,600 00 

6,900 00 
57,800 00 

6,500 00 
20,000 00 

8,000 00 
50,000 00 
20,000 00 
25,000 00 
40,000 00 



Market Value. 

$24,031 50 
21,500 00 

4,500 00 
17,000 00 
16,614 00 
10,013 00 
10,450 00 
18,848 00 
38,920 00 
14,800 00 

5,726 00 

7,728 00 

120,224 00 

12,090 00 

36,800 00 

9,440 00 
46,312 50 
23,716 80 
29,250 00 
37,600 00 



$387,100 00 $505,563 80 



Market Value. 

$20,000 00 

1,725 00^ 

1,260 00 | 

7,950 00 j 

11,900 00 I 

10,100 00 j 



Loaned Thereon. 

$15,000 00 



25,000 00 



$52,935 00 $40,000 00 



1892.] AND FIRE-MARINE INSURANCE COS. 



91 



Summary of Assets Dec 

Stocks and bonds, SS per schedule, . 

Loans od collateral security, as per schedule, 

Cash in the office of the company, . 

Cash deposited in hank 

Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes tak< n for marine and inland risks, 
Due for extra premiums, .... 
Premiums more than 3 months due, $1,605 81 
Gross assets, ...... 



31, 1892. 

1503,568 80 

40,000 00 

494 44 

41,794 72 

2,302 48 

56,387 69 

5,532 96 

566 92 



8652,613 01 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 

Re-insurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, 



$9,015 11 

31,320 06 

2,587 (0 

$42,922 17 
1,864 91 

$41,057 26 
235,126 45 

1,905 26 
23,889 19 

1,103 65 



303,081 81 

$349,561 20 

300,000 00 

$19,561 20 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Same not collected, 

Net collected, .... 
Premiums on risks written or renewed, 

Total 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 



$66,133 57 

1,407 56 

$64,726 01 

394,411 32 

$459,137 33 

56,585 94 

$402,551 39 

75,898 67 



$326,652 72 



92 



MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31 



Marine premiums outstanding Dec. 31, 1891, . 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Kntire premiums collected, .... 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest and dividends received from all sources, 

Income from additional premiums, . 

Gross cash income, 

Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, .... 
Cash paid for marine and inland losses, . 
Deduct salvage and re-insurance, 
Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 

Risks and Premiums. 



|9,335 79 
614 34 

$8,721 45 
6,185 12 

$14,906 57 
4,918 62 

$9,987 95 
1,266 47 



$194,136 24 

10,091 91 

$23,700 50 

540 69 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1891, 
Marine risks written during 1892, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insurcd, 

Net amount in force, 



$37,984,270 00 
35,401,198 00 



$73,385,468 00 
30,772,351 00 



§12,613,117 00 
3,181,058 00 



$8,721 48 
24,521 34 
11,883 11 

$371,778 65 



$184,044 33 



23,159 81 

302 00 

78,210 98 

36,873 51 

7,170 91 

17,775 93 

$347,537 47 

Premiums. 

$425,292 00 
394.411 32 



5819,703 32 
331,868 73 



$487,834 59 
37,483 63 



$39,432,059 00 $450,350 96 



$808,280 00 
119,300 00 



$927,580 00 
232,125 00 

$695,455 00 
5,500 00 



$17,697 87 
6,185 12 

$23,882 99 
11,034 67 

$12,818 32 
277 50 



$689,955 00 $12,570 82 



1892.] AXD FIRE-MARINE INSURANCE COS. 



93 



Miscellaneous. 
Premiums received from organization of company, 

ies paid from organization of company, . 
Fire losses incurred during the year, . 

Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Company's stock owned by directors, . . . . 



$10,794,800 00 
7,489,036 00 
182,769 36 
22,674 54 
2,743,500 00 
11,500 00 



BOSTON 1 " MARINE INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 23, 1873. Commenced business Jan. 20, 1S74 ] 

Paid-up Capital, $1,000,000. 

RANSOM B. FULLER, President. THOMAS H. LORD, Secretary. 

Office, No. 17 State Street. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Boston city bonds, $200,000 00 $210,712 50 

Bangor city bonds, 10,000 00 10,175 00 

Chicago, Burlington & Qaincy R.R. bonds, . 37,000 00 37,670 00 

Oregon Short Line R.R. bonds, . . . 10,000 00 10,150 00 

Louisville, Evansville & St. Louis R R. bonds, 2,000 00 2,223 00 

Fitchburg Railroad bonds, .... 25,000 00 27,250 00 

Wisconsin Central Railroad bonds, . . . 20,000 00 17,600 00 

Union Pacific, Lincoln & Col. Railroad bonds, 25,000 00 18,250 00 

Atch., Topeka & Santa Fe Railroad bonds, . 125,000 00 88,000 00 

Toledo, St. Louis & Kansas City R R bonds, . 2i>,000 00 18,000 00 

Brookline Gas Light Company bonds, . . 25,000 00 26,250 00 

Fall Hiver city bonds, 1,000 00 1,<»10 00 

Newton city bonds, 25,000 00 26,875 00 

West Shore Railroad bonds, .... 5,000 00 5,187 50 

Boston & Lowell Railroad bonds, . . . 25,000 00 25,625 00 

Ore. Short Line & Utah Northern R R. stock, . 5,000 00 1,075 00 

Chicago, Burl. & Quincy Railroad stock, . 50,000 00 48,750 00 

Iron Railway Company stock, .... 29,700 0u 14,850 00 

Toledo, St. Louis & Kansas City R.R. stock, . 53,000 00 10,6C0 00 

Manchester Mills stock, 20,000 00 27,800 00 

Brookline Gas Light Company stock, . . 20,000 00 22,100 00 

Boston & Albany Railroad stock, . . . 20,000 00 41,600 00 

Boston & Lowell Railroad stock, .. . . 10,000 00 18,600 00 

Fitchburg Railroad stock, .... 25,000 00 22,000 00 

Pullman Palace Car Company, . . . 10,000 00 19,800 00 

Atlantic Bank stock, 10,000 00 13,400 00 

Atlas Bank stock, 10,000 00 12,412 50 

Beverly Bank stock, 13,000 00 18,330 00 



94 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Brookline Hank stock, 
Columbian Bank stock, 
Commercial Bank stock, . 
Continental Bank stock, . 
Eagle Bank stock, . 
Eliot Bank stock, 
Exchange Bank stock, 
First Bank stock, 
First Bank, Salem, stock, . 
Freeman's Bank stock, 
Globe Bank stoc-k, 
Grand Bank, Marblehead, stock, 
Hamilton Bank stock, 
Hide and Leather Bank stock, 
Howard Bank stock, . 
Lincoln Bank stock, . 
Mercantile Bank, Salem, stock, 
Merchants 1 Bank stock, . 
Merchants 1 Bank, Salem, stock, 
Naumkeag Bank, Salem, stock, 
New England Bank stock, 
North Bank stock, . 
Old Boston Bank stock, . 
Railroad Bank, Lowell, stock, 
Republic Bank stock, 
Revere Bank stock, . 
Second Bank stock, . 
State Bank stock, 
Suffolk Bank stock, . 
Tremont Bank stock, 
Wiuthrop Bank stock, 



Par Value. 

M0,000 00 
12,000 00 
30,000 00 
10,000 00 
10,000 00 
25,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
15,000 00 

1,700 00 
10,000 00 
11,000 00 
10,000 00 
16,600 00 
10,000 00 
10,200 00 

5,000 00 
10,000 00 
15,000 00 
10,000 00 
10,000 00 

5,000 00 
15,000 00 
20,000 00 
20,000 00 
20,000 00 
10,000 00 
10,000 00 
15,000 00 



Market Value. 

$ 12,025 00 
12,840 00 
28,800 00 

12,600 00 

9,750 00 
33,875 00 
13,725 00 
2-1,000 00 
11,700 00 
10,000 00 
15,000 00 

2,040 00 
11,700 00 
13,805 00 
10,800 00 
17,679 00 
12,325 00 
14,892 00 

6,625 00 
13,812 50 
24,150 00 
13,000 00 
10,800 00 

6,550 00 
24,075 00 
21,000 00 
38,400 00 
24,750 00 
10,150 00 
10,162 50 
17,550 00 



$1,217,200 00 $1,285,178 50 



Securities held as collateral for cash loans : — 

3 )0 shares Toledo, St. L. & Kansas City R.R., . 

60 " San Diego Land and Town Co., 
170 " Iron Railway Company, . 
800 " Cobb Lime Company, . 

50 " Commercial National Bank, . 
Toledo, St. Louis & Kansas City R.R. bonds, . 
Burlington & Missouri Valley Railroad bonds, 
Mexican Central Railroad bonds, . 
60 shares American Fire Hose Mfg. Co., . 
N. E. Mortgage Security Company, 
10 shares Union Pacific Railroad, 



Market Value. Loaned Thereon. 



$6,000 00 

292 50 

8,500 00 

40,000 00 
5,000 00 
4,500 00 
5,520 00 
3,150 00 
2,400 00 
3,000 00 
395 00 



$13,000 00 

25,000 00 
4,500 00 
4,000 00 

7,500 00 

2,000 00 

3,000 00 

300 00 



$78,757 50 $59,300 00 



1892.] AND FIRE-MARINE INSURANCE COS. 



95 



Summary of Assets Dec. 31, 1892. 

Casli value of unencumbered real estate, . $31,740 78 

Loans on mortgage of real estate (first liens*), 681,075 00 

Interest due or accrued thereon, . . . 4,891 3) 

Stocks and bonds, as per schedule, . . . 1,285,178 50 

Loans on collateral security, as per schedule, . 59,300 00 

Cash deposited in bank, 316,085 65 

Interest due and accrued, 5,461 41 

Premiums in course of collection (gross), . 156,322 93 

Notes taken for marine and inland risks, . 528,001 73 

Gross assets, 

Liabilities. 
Losses adjusted and reported, .... $220,839 00 
Unearned premiums on outstanding risks, . 456,896 04 
Gross liabilities, except capital, 

Surplus as regards policy holders, . 
Paid-up capital, 

Surplus over capital, .... 

Income. 

Marine premiums outstanding Dec. 31, 1891, . $784,141 82 
Premiums on risks written or renewed, . . 1,215,690 84 

Total, $1,999,832 66 

Premiums now in course of collection, . . 684,324 66 

Entire premiums collected, .... $1,315,508 00 
Less re-insurance and return premiums, . . 177,834 42 

Net cash marine premiums received, . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, 

Gross cash income, 



$3,068,057 30 



677,735 04 

. $2,390,322 26 

. 1,000,000 00 

. ? 1,390,322 26 



$1,137,673 58 

26,686 10 

67,833 19 

1,220 52 



$1,23 5,413 39 



Expenditures. 
Cash paid for marine and inland losses, . 
Deduct salvage and re-insurance, 
Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 

Gross cash expenditures, .... 



$892,205 99 
170,005 82 



$722,200 17 
100,000 00 
23,022 88 
53,261 35 
12,538 06 
69,150 82 

,173 28 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$1,618,000 00 
592,000 00 



96 



MASS. JOIXT-STOCK FIRE, MARINE, [Dec. 31, 



Marine risks outstanding Dec, 81, 1891, 
Marine risks written during 1892, . 



Risks and Premiums. 

Premiums. 

.§12,591,408 00 $832,249 09 
. 67,699,052 00 1,215,690 84 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$80,290,460 00 $2,047,939 93 
68,228,382 00 1,257,444 18 



.$12,062,078 00 $790,495 75 
802,683 00 33,597 37 



.$11,259,395 00 $756,898 38 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, . 



$21,172,855 00 

14,359,024 00 

893,863 00 

1,430,000 00 

100,000 00 

115,100 00 



BOYLSTON INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 26, 1872. Commenced business Jan. 8, 1873.] 

Paid-up Capital, $557,200. 

GEO. H. BALCH, President. WASHINGTON GLOVER, Secretary. 

Office, No. 30 Kilby Street, 



Detailed Statement of Stocks 



200 " State National Bank, 
300 " Republic National Bank, 
300 " Columbian National Bank, 
300 " Washington National Bank, . 
200 " Tremont National Bank, 

67 " Revere National Bank, . 

17 " New England National Bank, 
100 " Boston & Albany R.R., . 
150 " Boston & Providence R.R., 
350 " Fitchburg R.R., 
Oregon Railway A: Navigation Co. bonds, 
Kansas City, Memphis A: B. R.R. bonds, . 
Kansas City, Memphis & B. li.R. ext. notes, 
A tch., Topcka & Santa Fe 11.11. bonds, . 
Union Pacific R.R. notes, .... 
Duluth, South Shore & Atlantic K.R. bonds, 



and Bonds. 

Par Value. 

§25,000 00 
20,000 00 
30,000 00 
30,000 00 
30,000 00 
20,000 00 
6,700 00 
1,700 00 
10,000 00 
15,000 00 
35,000 00 
10,000 00 
25,000 00 
8,125 00 
25,000 00 
10,000 00 
25,000 00 



Market Value. 

$36,500 00 
24,800 00 
48,300 00 
32,100 00 
33,600 00 
20,400 00 

7,035 00 

2,737 00 
20,800 00 
37,950 00 
30,800 00 

8,000 00 
10,500 00 

1,718 75 
20,500 00 
10,000 00 
25,125 00 



1892.] AXD FIRE-MARINE INSURANCE COS. 



97 



Chic, Burl. & Quincy Railroad bonds, . 
Old Colony Railroad bonds, 
Cedar Rapids & Missouri River R.R. bonds, 
New England Mortgage Security Co. bonds, 
Metropolitan Telephone & Tel. Co. bonds, 
Utah & Northern Railroad bonds, . 
Atch., Topeka & Santa Fe Railroad scrip, 

Cairo City bonds, 

Simpson Patent Dry Dock Company bonds, 
General Electric Company bonds, . 
City of Cambridge bonds, 
City of Providence bonds, 



Securities held as collateral for cash loans : — 

50 shares Chicago, Burlington & Quincy R.R., 

Kansas City, Clinton & So. Railroad bonds, . 
Kansas City, F. Scott & Memphis R.R. bonds, 
Oregon, Utah & Northern Railroad bonds, 



Par Value. 

$30,000 00 

25,000 00 

21,500 00 

10,000 00 

8,000 00 

8,000 00 

156 00 

800 00 

5,000 00 

10,000 00 

35,000 00 

20,000 00 



Market Value. 

$25,500 00 

20,500 00 

25,832 50 

9,600 00 

8,240 00 

6,800 00 

124 80 

800 00 

5,000 00 

10,000 00 

36,487 50 

21,400 00 



$494,981 00 $547,150 55 

Market Value. Loaned Thereon. 

84,800 00 N 



15,000 00 
15,000 00 
26,950 00 j 



$50,000 00 



$61,750 00 $50,000 00 



Summary of Assets Dec. 31, 1892. 
Loans on mortgage of real estate (first liens*), $194,500 00 

2,412 75 

547,150 55 

50,000 00 

3,479 83 

93,015 26 

2,587 25 

51,155 00 

15,625 08 



Interest accrued thereon, .... 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets, 

Liabilities. 
Losses claimed and reported, . 

Unearned premiums on outstanding risks, 

Interest due on scrip, . 

Due and accrued for rent, salaries, etc., . 

Commissions, brokerage and incidentals, 

Gross liabilities, except capital. 

Surplus as regards policy-holders, . 

Paid-up capital, 

Scrip outstanding, not ordered to be redeemed, 

Surplus over capital, 



$47,900 00 

240,580 01 

1,391 95 

1,620 00 

10,380 00 



$959,925 72 



301,871 96 



. $658,053 76 
557,20'J 00 



$39,205 00 



. $100,853 76 



♦Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$256,800 00 
207,500 00 
186,100 00 



98 



MASS. JOINT-STOCK PIKE, MARINE, [Dec. 31, 



Income. 

Fire premiums outstanding Dee. 31, 1891, . $38,941 27 
Nel co lected 354,031 98 

Total, $392,973 25 

Premiums now in course of collection, . . 51,155 00 

Entire premiums collected, .... $341,818 25 
1.- sa re-insurance and return premiums, . . 57,283 69 

Net cash tire premiums received, . . . $284,534 56 

Marine premiums outstanding Dec. 31, 1891, . $13,066 65 
Premiums on risks written or renewed, . . 45,947 75 

Total, $59,014 40 

Premiums now in course of collection, . . 15,625 08 

Entire premiums collected, .... $43,389 32 
Less re-insurance and return premiums, . . 5,682 23 

Net cash marine premiums received, . . 37,707 09 

Interest received on mortgages, 8,464 37 

Interest and dividends received from all other sources, . . 28,391 71 

Gross cash income, $359,097 73 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Interest paid scrip-holders, .... 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for rent and incidentals, . 

Gross cash expenditures, .... 

Risks and Premiums. 



$174,616 66 
17,393 99 

$35,933 40 
6,733 98 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



. $40,928,526 00 
. 32,761,383 00 

.$73,689,909 00 
. 29,628,349 00 

.$44,061,560 00 
. 2,764,193 00 



$157,222 67 



29,199 42 
16,716 00 
77 80 
58,700 14 
22,016 00 
6,034 30 
30,721 52 

$320,687 85 

Premiums. 

$461,568 31 
354,031 98 

$815,600 2 9 
824,590 40 

$491,009 89 
31,647 25 



Net amount in force, . 



.$41,297,367 00 $459,362 64 



1892.] AND FIRE-MARINE INSURANCE COS. 



99 



Marino risk- outstanding Dec. 31, 1891, . 
Marine riska written during L892, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount rc-iiiMired, 

Net amount in force, . 



$282,733 00 
5,933,098 00 

16,215,831 00 

5,836,921 00 

(378,910 00 

43,620 00 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Eire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
(ash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company"- stock owned by directors, . 



Tremlums. 

|17,163 39 

45,947 75 

|63,111 14 

44,373 94 

$18,737 20 
2,675 70 



.290 00 $16,061 50 



$6,941,786 03 
4,131,136 58 

162,422 67 

30,999 42 

881,808 00 

16,716 00 

33,600 00 



DWELLING HOUSE INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 30, 1872. Commenced business Jan. 9, 1873.] 

Paid-up Capital, $300,000. 

CHARLES K. NICHOLS, President. HENRY F. PERKINS, Secretary. 

Office, No. 40 Water Street. 



Detailed Statement of Stocks 



100 " Merchants 1 National Bank, Boston, 
100 " Republic National Bank. Boston, 
100 " State National Bank, Boston, . 
100 " Suffolk National Bank, Boston, 
100 " Atlas National Bank, Boston, . 
100 " Howard National Bank, Boston, 
69 " Hide and Leather Nat '1 Bank, Boston, 
50 " New England National Bank, Boston, 
50 " Redemption National Bank, Boston, 
44 " Union National Bank, Boston, 
80 " Eagle National Bank, Boston, 
7 " Tremont National Bank, Boston, . 
100 " Vermont & Massachusetts Railroad, 

Eastern Railroad bonds, 

Boston & Providence Railroad bonds, 

Old Colony Railroad bonds, .... 



and Bonds. 

Par Value. 

610,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

6,900 00 

5,000 00 

5,000 00 

4,400 00 

3,000 00 

700 00 

10,000 00 

5,000 00 

5,000 00 

20,000 00 



Market Value. 

$19,300 00 

14,700 00 

16,200 00 

12,500 00 

10,600 00 

12,600 00 

10,700 00 

8,763 00 

8,100 00 

6,500 00 

6,116 00 

3 r 000 00 

714 00 

14,100 00 

6,000 00 

5,500 00 

21,400 00 



£135,000 00 §176,7y3 00 



100 MASS JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Summary of Assets Dec. 31, 1892. 

Loans od mortgage of real estate (firsl liens*), $152,950 00 

Interest accrued thereon, 2,:>93 70 

stock- ami bonds, as per schedule, . . . 170,793 00 

Cash in the office of the company, . . . 27,540 70 

Cash deposited in bank, 19,020 89 

Interest due and accrued, .... 3,252 28 

Premiums in course of collection (gross), . 50,704 70 

Notes taken for fire risks, .... 40,750 51 

Gross assets, 



$480,005 90 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$2,057 00 

1,890 00 

3,000 00 

147,980 53 

353 04 

3,325 50 



Surplus over capital, . 



159,212 07 

$320,853 23 

300,000 00 

$20,853 23 



Income. 

Fire premiums outstanding Dec. 31, 1891, . $101,593 03 
Same not collected, 850 90 

Net collected, $100,730 13 

Premiums on risks written or renewed, . . 192,222 24 

Total, $292,958 37 

Premiums now in course of collection, . . 97,515 27 

Entire premiums collected, .... $195,443 10 
Less re-insurance and return premiums, . . 29,934 90 

Net cash lire premiums received, 
Interest received on mortgages, 
Interest and dividends received from all 
Income from commissions, 



Gross cash income, 



other sources, . 



$105,508 14 

7,987 00 

7,709 76 

51 01 

$181,256 57 



* Value of lands mortgaged, . . 
Value of buildings thereon, 
Amount of insurance held as collateral, . 



$106,000 00 
188/200 00 
101,300 00 



1892.] AND FIRE-MARINE INSURANCE COS. 101 



EXTENDITURES. 

Net cash paid for fire losses, . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes,. 
for rent and incidentals, . 

Gross cash expenditures, .... 



$95,691 43 

18,000 00 

44,777 02 

18,397 63 

5,518 20 

23,339 74 

$205,724 02 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 



Risks and Premiums. 

Premiums. 

.184,997,075 00 $340,130 80 
. 18,511,580 00 192,222 24 



Total 

Deduct risks expired and terminated, 

Tn force at end of year, . 
Deduct amount re-insured, 



Net amount in force, .... 
Perpetual risks in force (included above), 



. $58,608,655 00 $532,353 04 
. 21,925,006 00 235,947 64 



.$31,588,049 00 $296,405 40 
51,519 00 432 34 



$31,531,530 00 $295,973 06 
18,300 00 ::72 00 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 

Fire losses incurred during the year 

Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, . 



$2,305,709 00 

806,899 00 

95,428 00 

360,000 00 

18,000 00 

31,600 00 



EQUITABLE MARINE INSURANCE COMPANY, 
PROVINCETOWN. 

[Iocorporated 1845. Commenced business 1846.] 

Paid-up Capital, $50,000. 

LY3ANDER N. PAINE, President. LEWIS XICKERSON, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

80 shares Freeman's National Bank, Boston, . f 8,000 00 

65 " First National Bank, Provincetown, 6,500 00 

15 " Revere National Bank, Boston, . 1,500 00 

15 " State National Bank, Boston, . . 1,500 00 

45 " National Bank of Republic, Boston, . 4,500 00 



16 



Hide and Leather Nat'l Bank, Boston, 



1,600 00 



Market Value. 

$8,000 00 
9,425 00 
1,575 00 
1,860 00 
7,245 00 
2,000 00 



102 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



21 sharea Boston & Albany Railroad, 

20 •• Union Pacific ftailroad, . 

Brookline town bonds, 

Bangor city bonds, .... 

( lincinnati city bonds, 

Kansas City bonds, .... 

Portsmouth, X II , city bonds.. 

Toledo city bonds, .... 

Omaha city bonds, .... 

Old Colony Railroad bonds, 

New York tfc New England Railroad bonds, 

Chicago & North Western Railroad bonds, 

Fitch burg Railroad bonds, 

Boston, Revere Reach & Lynn Railroad bonds, 

Atchison, Topeka & Santa Fe Railroad bonds, 

New England Mortgage Security Co. bonds, . 

Securities held as collateral for cash loans : 
10 shares State National Bank, Wichita, Kan.,. 



Par Value. 

$2,400 00 

2,000 00 
3,000 00 
2,000 00 
3,"00 00 
2,500 00 
5,000 00 
3,000 00 
3,000 00 
5,000 00 
2,000 00 
2,000 00 
5,000 00 
4,000 00 
2,500 00 
1,000 00 



Market Value. 

$4,992 00 
800 00 
3,180 00 
2,360 00 
3,840 00 
2,800 00 
5,000 00 
3,300 00 
3,300 00 
5,187 50 
2,300 00 
2,160 00 
5,375 00 
4,280 00 
1,760 00 
1,000 00 



$71,000 00 $81,739 50 

Market Value. Loaned Thereon. 

$1,500 00 $600 00 



Summary of Assets Dec. 31, 1892. 

Stocks and bonds, as per schedule, . . . $81,739 50 

Loans on collateral security, as per schedule, . 600 00 

Cash in the office of the company, . . . 1,007 84 

Cash deposited in bank, 6,709 70 

Interest due and accrued 542 00 

Premiums in course of collection (gross), . 6,204 01 

Notes taken for marine and inland risks, . 18,682 50 

Gross assets, 

Liabilities. 

Losses claimed and reported, .... $2,500 00 

Losses disputed or resisted, .... 500 00 

Unearned premiums on outstanding risks, . 24,617 84 

State and local taxes, 225 00 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



$11%485 55 



Surplus over capital, . 

Income 
Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash marine premiums received, 
Interest and dividends received from all sources, 

( rrOBS Cash income, 



27,842 84 

$87,642 71 

50,000 00 

$37,642 71 



$34,195 78 
3,721 67 



$30,474 11 
3,951 51 

$34,425 62 



1892.] AND FIRE-MARINE INSURANCE COS. 103 



Expenditures. 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net rash paid for marine and inland losses, . 

( 'ash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, ..... 

Gross cash expenditures, .... 



$19,673 50 
1,672 32 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1891, 
Marine risks written during 1892, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$445,518 00 
626,503 00 

81,072,021 00 
671,821 00 

8400,200 00 
26,300 00 



$18,001 18 

5,000 00 

2,763 76 

1,525 00 

638 08 

546 55 

828,47-4 57 



Premiums. 

825,938 57 
34,838 55 

860,777 12 
34,195 78 

$26,581 34 
1,963 50 



8373,900 00 824,617 84* 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



8401,520 00 

269,231 00 

22,173 00 

48,000 00 

5,000 00 

10,100 U0 



FIREMEN'S FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 21, 1872. Commenced business Dec. 30, 1872.] 

Paid-up Capital, $400,000. 

THOMAS W. TUCKER, President. HENRY C. SHORT, Secretary. 

Office, No. 43 Kilby Street. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

Boston city bonds, $70,000 00 



Charlestown city bonds, . 

Fall River city bonds, 

Lawrence city bonds, 

Eastern Railroad bonds, . 

Worcester & Nashua Railroad bonds, 

Fitchburg Railroad bonds, 

Boston & Providence Railroad bonds, 



11,000 00 
30,000 00 
5,000 00 
22,500 00 
10,000 00 
20,000 00 
25,000 00 



Market Value. 

$73,250 00 

11,110 00 

33,300 00 

5,175 00 

27,000 00 

10,050 00 

21,900 00 

25,968 75 



104 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Old Colony Railroad bonds, .... 
Burlington & Missouri River Railroad bonds, 
Kansas City, St. Joseph & C. Bluffs II.lv. bonds, 
Boston & Lowell Railroad bonds, . 
Chicago, Burlington & Northern R.R. bonds, . 
Cedar Raj. ids, Iowa Falls & No. W. R.R bonds, 
St. Raul & North Pacific Railroad bonds, 
Atchison, Topeka & Santa Re Railroad bonds, 
Jackson, Lansing & Saginaw R.R. bonds, 
Old Colony Steamboat Company bonds, . 
2U0 shares City National Bank, 
2w0 " Hamilton National Bank, 
200 " Eagle National Bank, 
54 " Webster National Bank, . 
100 " itevere National Bank, . 
83 " Atlas National Bank, 
1.50 " Boston National Bank, . 
284 " Atlantic Cotton Mills, . 
Loan to Arlington Mills, 



Summary of Assets Dec. 
Loans on mortgage of. real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds as per schedule, . 
(ash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Premiums more than 3 months due, $187 58 
Gross assets, . . . . 

Liabilities. 
Losses adjusted, unpaid, .... 

Losses claimed and reported, . 

Unearned premiums on outstanding risks, 

Dividends to stockholders unpaid, . 

Due and accrued for rent, salaries, etc , . 

State and local taxes, .... 

Commissions and brokerage, . 

lie-insurance, etc., ..... 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, . 



Tar Value. 

$20,000 00 
25,000 00 
20,000 00 

1,000 00 
25,000 00 
25,000 00 
30,000 00 
30,500 00 
10,000 00 
15,000 00 
20,000 00 
20,000 00 
20,000 00 

5,400 00 
10,000 00 

8,300 00 
13,000 00 
28,400 00 
35,000 00 

$555,100 00 

31, 1892. 

§237,800 00 

2,347 89 

570,537 00 

522 72 

23,991 49 

6,105 41 

15,751 69 



$3,392 95 

15,312 83 

109,158 95 

115 00 

1,500 00 

1,000 00 

3,051 58 

200 00 



Market Value. 

$20,700 00 
23,250 00 

24,150 00 
1,040 00 
25,875 00 
22,500 60 
36,600 00 
22,032 50 
10,600 00 
15,375 00 
17,500 00 
23,400 00 
19,500 00 
5,288 00 
10,500 00 
10,312 75 
13,650 00 
25,560 00 
35,000 00 

$570,537 00 



$857,056 20 



133,731 31 

$723,324 89 

400,000 00 

$323,324 89 



* Value of lands mortgaged, . . 
Value of building! thereon, . 
Amount of insurance held as collateral, 



1215,300 00 
222,900 00 

209,600 00 



I.] AND FIRE-MARINE INSURANCE COS. 



105 



Income. 

Fire premiums outstanding Dee. 51, 1891, , $14,876 89 
Premiums on risks written or renewed, . . 138,56 

T.-tal |153,446 15 

Premiums now in course of collection, . . 15,939 27 

Entire premiums collected, .... $137 

Li sa n .'-insurance and return premiums, . . 18,354 -41 

Nel cash Sre premiums ed, . . . 

Interest received on mor 

Interest and dividend- received from all other sources, . 

Gross cash income, 



1119,152 47 
10,487 96 

.774 19 



$156,414 62 



EXPBHDITUB1 

Cash paid f«»r fire losses 

Deduct Balvage and re-insurance, 

Net cash paid for fin 5ses 

1 sh dividends paid, ..... 

Cash paid for commissions and brokerage, 

f< r salaries of officers and employees, 
for State and local taxes, . 
for rent and incidentals, . 

Gross cash expenditures, .... 



|57,18S 

686 31 



$56,496 37 

40,060 00 

_ »,168 74 

13,369 00 

4.052 63 

9,585 4^ 

|144,632 22 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during l v 



Risks and Premiums. 

Freminms. 

.120,440,444 00 |213,053 00 

. 15,744,582 00 138,569 26 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$36,185,026 00 $351,622 26 

14,281393 00 122.665 72 



. $21,903,133 00 $228,956 54 
723,439 00 6,934 26 



.621,179,694 00 $222,022 28 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Company's stock owned by directors, .... 



-.736 00 

1,306,668 00 

55,959 00 

585,000 00 

40,000 00 

22,800 00 



106 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 

FIRST NATIONAL FIRE INSURANCE COMPANY, 
WORCESTER. 

[Incorporated April, 1S68. Commenced business January, 1869.] 

Paid-up Capital, $200,000. 

CHARLES B. PRATT, President. GEORGE A. PARK, Secretary. 



Detailed Statement of Stocks 



Boston, Barre & Gardner Railroad bonds, 
Worcester, Nashua & Rochester R.R. bonds, 

30 shares Worcester National Bank, 
50 ' 

120 ' 
27 '« 
15 ' 

31 ' 
25 ■ 
20 ' 
24 ' 



Worcester Safe Deposit & Trust Co. 
First National Bank, 
Eliot National Bank, 
North National Bank, 
Boylston National Bank, 
Merchants 1 National Bank, 
Revere National Bank, . 
National Bank of Commerce, 



and Bonds. 

Par Value. 

$20,500 00 
6,000 00 
3,000 00 
5,000 00 
12,000 00 
2,700 00 
1,500 00 
3,100 00 
2,500 00 
2,000 00 
2,400 00 



Market Value. 

$20,002 50 
6,030 00 
4,500 00 
7,250 00 
22,500 00 
3,655 12 
1,980 00 
4,061 00 
3,750 00 
2,112 00 
3,072 00 



Securities held as collateral for cash loans : - 

Champion Card & Paper Company, Pepperell, 

Millbury National Bank, 

Washburn & Moen Manufacturing Company, 



$60,700 00 $79,512 62 



Market Value. Loaned Thereon. 

$1,200 00 $500 00 

800 00 500 00 

6,000 00 4,000 00 



$8,000 00 $5,000 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Re-insurance, 

Due from Nashua & Rochester Railroad, 
(iross assets, 



31, 1892. 

$530 00 

184,121 90 

2,957 89 

79,512 62 

5,000 00 

2,433 44 

22,896 43 

558 75 

25,844 31 

900 00 

2,800 00 



$327,555 34 



* Total value of property mortgaged, . 

Amount of insurance held as collateral, 



$238,300 00 
98,450 00 



1892.1 AND FIRE-MARINE INSURANCE COS. 107 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-ui) capital, .... 

Surplus over capital, . 



Income 

Fire premiums outstanding Dec. 31,1891 
Same not collected, .... 



Net collected 

Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash fire premiums received, 
Interest and dividends received from all 
Income from commissions, etc., 

Gross cash income, . 



$9,922 05 

7,000 00 

800 00 

$ 17,722 05 
1,041 77 

$16,680 28 
87,916 45 
5,168 86 
$109,765 59 



. $217,789 75 
200,000 00 

$17,789 75 



$21,238 10 
140 57 

$21,097 53 
162,042 49 

$183,140 02 
25,844 31 

$157,295 71 
20,662 15 



sources, 



$136,633 56 

13,172 43 

3,300 00 

$153,105 99 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, . 

Net cash paid for fire losses, . . . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, , . , 



$89,448 


57 


6,899 


66 




. . $QO KAQ Ol 




30,317 26 


. 


6,890 00 


. 


1,217 78 


• • 


6,384 93 


• • 


. $127,358 88 



108 



MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 



Risks and Premiums. 

Premiums. 

$11,208,382 00 $148,137 U 
12,626,784 00 162,042 49 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



|28 t 895,166 00 $310,179 63 
9,724,477 00 134,988 25 



$14,170,089 00 $17o,241 38 
513,215 00 6,166 95 



$13,657,474 00 $169,074 43 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Company's stock owned by directors, .... 



$2,711,098 00 

1,722,693 00 

83,692 00 

184,000 00 

76,200 00 



MERCANTILE FIRE AND MARINE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Feb. II, 1823. Commenced business May, 1823.] 

Paid-up Capital, $400,000. 

GEO. R. ROGERS, President. JAMES SIMPSON, Secretary. 

Office, No. 58 State Street. 



Detailed Statement of Stocks 



100 shares Atlantic National Bank, . 

200 " City National Bank, 

200 " Columbian National Bank, 

214 " Eagle National Bank, 

300 " Globe National Bank, . 

120 " Hamilton National Bank, 

160 " New England National Bank 

200 " North National Bank, 

18 " Railroad National Bank, . 

178 " Slate National Bank, 

535 " Suffolk National Bank, . 

200 " Tremont National Bank, . 

200 " Union National Bank, 

200 " Boston and Providence Railro 

100 " Chicago, Burlington & Quinoy 

100 " Lyman Mills, , 

Housatonio Railroad, bonds, . # 



ui, 
R.B 



and Bonds. 

Par Value. 

$10,000 00 
20,000 00 
20,000 00 
21,400 00 
30,000 00 
12,000 00 
16,000 00 
20,000 00 
1,800 00 
17,800 00 
53,500 00 
20,000 00 
20,000 00 
20,000 00 
10,000 00 
10,000 00 
25,000 00 



Market Value. 

$13,400 00 
17,500 00 
21,400 00 
20,758 00 
30,000 00 
14,040 00 
25,760 00 
26,000 00 
2,858 00 
22,027 00 
56,907 00 
20,800 00 
27,400 00 
50,600 00 
9,800 00 
7,025 00 
25,500 00 



1892.] AND FIRE-MARINE INSURANCE COS. 109 



New Bedford Railroad bonds, . 

Boston City bonds 

Boston & Lowell Railroad bonds, . 
Fitchburg Railroad bonds, 
Union Pacific, Lincoln & Colorado R.R. bonds 
Kansas City, Fort Scott & Memphis R.R. bonds 
Oregon Hail way & Navigation Co. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 



Par Value. 

$30,000 00 

15,000 00 

10,000 00 

25,000 00 

25,000 00 

5,000 00 

5,000 00 

1,000 00 



Market Value. 

$30,975 00 

15,375 00 

10,800 00 

25,812 00 

18,125 00 

5,000 00 

4,400 00 

1,040 00 



$443,500 00 $501,302 00 



Summary of Assets Dec 

Loans on mortgage of real estate (first liens*) 
Interest accrued thereon, . 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . 
Interest due and accrued,. 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets 



31, 1892. 

$79,500 00 

444 58 

501,302 00 

3,511 42 

28,133 52 

2,841 65 

27,337 16 

2,496 09 



$645,566 42 



Liabilities. 

Losses claimed and reported, . 
Losses disputed or resisted, 

Total amount of losses, . 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc. 
Commissions and brokerage, . 
Return premiums, 
Re-insurance, .... 
Gross liabilities except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, . 



$20,648 00 
1,350 00 

$21,998 00 
2,500 00 

$19,498 00 

145,193 90 

347 00 

850 00 

4,844 36 

2,406 24 

651 68 



173,791 18 



H7 1,775 24 
400,000 00 

$71,775 24 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$ 79,900 00 
66,100 00 
81,000 00 



110 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Income. 

Fire premiums outstanding Dec. 81, 1801, . $21,307 58 

Premiums on risks written or renewed, . . 268,632 25 

Total, $289,939 83 

Premiums now in course of collection, . . 27,337 16 

Entire premiums collected, .... $262,602 67 

a re-insurance and return premiums, . . 51,293 98 
Net cash tire premiums received, 

Marine premiums outstanding Dec. 31, 1891, . $3,099 21 

Same not collected, 124 46 

Net collected, $2,974 75 

Premiums on risks written or renewed, . . 9,413 92 

Total, $12,388 67 

Premiums now in course of collection, . . 2,496 09 

Entire premiums collected, .... $9,892 58 

Less re-insurance and return premiums, . . 3,006 77 

Net cash premiums received, . 

Interest received pu mortgage, 

Interest and dividends received from all other sources, . 

Income from sale of rights, 

Gross cash income, .... 



Expenditures. 
Cash paid for fire losses, .... 
Cash paid for marine and inland losses, . 
Cash dividends paid, .... 

Cash paid for commissions anil brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 

r 

Gross cash expenditures, . 

Risks and Pkemiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$22,644,669 00 
25,134,274 00 



$17,778,943 00 
21,006,688 00 



$26,772,255 00 
1,969,005 00 



$211,308 69 



6,885 81 

3,255 00 

24,149 50 

76 00 

$245,675 00 



$105,027 99 
4,039 38 
32,064 00 
48,569 08 
15,566 CO 
4,646 37 
23,955 96 

$233,868 78 

Premiums. 

$232,937 40 
268,63 1 25 

$501,569 65 
205,175 30 

$296,394 35 
20,420 02 



$24,803,250 00 $275,974 33 



1892.] AND FIRE-MARINE INSURANCE COS. Ill 



Marine risks outstanding Dec. 31, 1891, 
Marine risks written during 18 ( J2, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 



82,270 00 
965,500 00 

1967,770 00 
819,750 00 

$ 148,020 00 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent), . 
Company's stock owned by directors, .... 



Premiums. 
$128 00 

9,413 92 

$9,541 92 
9,153 92 

$388 00 



$7,443,649 00 

5,322,161 00 

104,732 00 

8,606 00 

2,150,500 00 
32,000 00 
37,400 00 



NORTH AMERICAN INSURANCE COMPANY, BOSTON. 

[Incorporated December, 1872. Commenced business January, 1873.] 

Paid-up Capital, $200,000. 

8ILAS PEIRCE, President. CHARLES E. MACULLAR, Secretary. 

Office, No. 59 Kilby Street. 



Detailed Statement of Stocks 



United States bonds, .... 

Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Northern Pacific Railroad bonds, 
Union Pacific Railroad bonds, . 
Oregon Railway and Nav. Co. bonds, 
Kan. City, Merup & Birmingham R R. bonds 
Consolidated Railroad of Vermont bonds, 
Old Colony Steamboat Co. bonds, . 
Ogdensburg & Lake Champlain R.R. bonds, 
138 shares Boston National Bank, . 

50 ■ 
100 

17 

95 

29 
150 ' 
143 

50 

100 ' 
100 



City National Bank, 
Eliot National Bank, 
Exchange National Bank, 
Globe National Bank, 
Hide and Leather National Bank, 
Merchants' National Bank, 
Old Boston National Bank, 
Shoe and Leather National Bank, 
State National Bank, 
Suffolk National Bank, . 



Amer. Sugar Refineries Co. stock, 



and Bonds. 

Par Value. 

$15,000 00 

5,000 00 

9,000 00 

4,000 00 

6,000 00 

12,000 00 

5,625 00 

5,000 00 

10,000 00 

4,000 00 

13,800 00 

5,000 00 

10,000 00 

1,700 00 

9,500 00 

2,900 00 

15,000 00 

14,300 00 

5,000 00 

10,000 00 

10,000 00 

10,000 00 



Market Value. 

$16,950 00 

6,450 00 

8,640 00 

4,72C 00 

5,100 00 

13,440 00 

2,725 00 

4,750 00 

10,500 00 

4,280 00 

15,180 00 

4,375 00 

13,537 50 

2,350 25 

9,500 00 

3,639 50 

22,537 50 

15,587 00 

4,725 00 

12,475 00 

10,450 00 

10,200 00 



$182,825 00 $202,111 75 



IIS MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 
Securities held aa collateral for cash loans: — 



Eastern U.K. bond, 

Provident Institution for Savings bank acct., . 
American Sugar Refining Company, 



Market Value. Loaned Thereon. 

$12,025 00 $800 00 

532 25 400 00 

12,000 00 10,000 00 



$2 ±,557 25 $11,200 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

Cash deposited in bank 

Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 

Re-insurance, 

Premiums more than 3 months due, $79 48 
Gross assets, ...... 



31, 1892. 

$44,575 00 

53,340 00 

684 15 

202,111 75 

11,200 00 

2,253 41 

9,948 55 

1,817 76 

28,329 82 

215 00 

433 95 



$354,909 39 



Liabilities. 

Losses adjusted, unpaid, . 
Losses claimed and reported, . 

Total amount of losses, . 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Return premiums, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 

Surplus over capital, . 



$6,162 08 

14,962 46 

$21,124 54 

1,458 11 

$19,666 43 

113,111 76 

376 25 

3,726 11 

142 00 



137,022 55 

$217,886 84 

200,000 00 

$17,886 84 



* Value of landfi mortgaged, 
Value of building* thereon, . 
Amount of insurance held as collateral, 



$37,6. r >0 00 
69,900 00 
68,850 00 



1892.] AND FIRE-MARINE INSURANCE COS. 113 



Income. 

Fire premiums outstanding Dec. 31, 1801 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash tire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, 

Income from rents, .... 

Refunded bank tax, .... 

Gross cash income, 



$27,939 16 

726 38 

$27,212 78 

206,308 34 

|233,52l 12 

28,409 30 

$ 205,1 11 82 

64,172 60 



$140,939 22 

3,292 79 

8,823 85 

1,679 72 

744 60 

$155,479 68 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, . 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



$85,397 77 
10,116 86 



$75,280 91 

5,000 00 

27,161 58 

16,267 47 

4,544 98 

11,212 61 

$139,497 55 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 



Risks and Premiums. 

Premiums. 

.$26,706,867 00 f 272,853 75 
. 20,279,441 00 206,308 34 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amouut re-insured, 

Net amount in force, . 



. $46,986,308 00 $479,162 09 
. 20,519,453 00 201,310 32 



.$26,466,855 00 $277,851 77 
. 4,107,199 00 44,236 28 



.$22,359,656 00 $233,615 49 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (21 per cent.), 
Company's stock owned by directors, .... 



52,190,417 00 

1,021,733 00 

80,777 00 

295,000 00 

5,000 00 

15,400 00 



Ill MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



SPRINGFIELD FIRE AM) MARINE INSURANCE COMPANY, 

SPRINGFIELD. 

[Incorporated 1849. Commenced bueiuess 1851.] 
Paid-up Capital, $1,500,000. 



A. J. WRIGHT, Preti 



8. J. HALL, Secretary. 



Detailed Statement of Stocks 



United States bonds, 

Amherst (Muss ) Water Company bonds, 
Ann Arbor (Mich.) Water Company bonds, 
Berkshire (Mass.) Water Company bonds, 
Wakefield (Mass.) Water Company bonds, 
West Springfield (Mass.) Aqueduct Co. bonds 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago, Burlington & Northern R.R. bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
•Chicago & Northwestern Railroad bonds, 
Detroit, Lansing & Northern Railroad bonds, 
Kan. City, St. Joe & Council Bluffs R.R. bonds 
New York & Harlem Railroad bonds, 
St Paul, Minneapolis & Manitoba R.R. bonds 
Union Pacific Railroad bonds, . 
1,500 shares Boston & Albany Railroad, . 

563 ' 

700 ' 

550 ■ 

550 ' 

500 ' 

563 
11,000 ' 
1,200 ' 

500 ' 

■600 ' 

240 
1,000 ' 

203 ' 

100 ' 

104 ' 

100 

200 

200 

127 

200 

200 

100 

100 ' 



Chicago & Alton Railroad, 
Chicago, Burl. & Quincy Railroad 
Chicago, Mil. & St. Paul R R., 
Chicago, Rock IsPd & Pacific R.R. 
Conn. & Passumpsic Rivers R.R. 
Illinois Central Railroad, 
New York & Harlem Railroad, 
New York, New Ha. & Hart. R R. 
Old Colony Railroad, . 
Pennsylvania Railroad, 
Rome, Watertown & Ogd'g R.R. 
West End Street Railway, . 
Agawam Natl Bank, Springfield 
Chapin Natl Bank, Springfield', 
Chicopee Natl Bank, Springfield 
City National Bank, Springfield, 
First National Bank, Springfield 
John Hancock Nl B'k, Springfield 
Pynchon Natl Bank, Springfield 
Second Natl Bank, Springfield, 
Third Natl Bank, Springfield, 
Atlas National Bank, Boston, 
Boston National Bank, Boston, 



and Bonds. 

Tar Value. 

$100,000 00 
16,000 00 
50,000 00 
15,000 00 
50,000 00 
25,000 00 
21,000 00 
11,000 00 
It ',000 00 
50,01)0 00 
2,00() 00 

100,000 00 
10,000 00 
50,000 00 
47,000 00 

150,000 00 
56,300 00 
70,000 00 
55,000 00 
55,000 00 
50,000 00 
56,300 00 
50,000 00 

120,000 00 
50,000 00 
30,000 00 
24,000 00 
50,000 00 
20,300 00 
10,000 00 
10,400 00 
10,000 00 
20,000 00 
20,000 00 
12,700 00 
20,000 00 
20,000 00 
10,000 00 
10,000 00 



Market Value. 

H 10,000 00 
16,800 00 
57,500 00 
15,750 00 
57,500 00 
26,250 00 
20,850 00 
11,440 00 
12.700 00 
60,000 00 
2,040 00 

121,000 00 
11,800 00 
59,000 00 
47,000 00 

312,000 00 
81,635 00 
67,900 00 
67,100 00 
45,100 00 
55,000 00 
56,300 00 

130,000 00 

306,000 00 
92,500 00 
33,600 00 
26,880 00 
85,000 00 
20,300 00 
15,000 00 
18,200 00 
15,000 00 
25,000 00 
26,000 00 
19,050 00 
30,000 00 
42,000 00 
12,400 00 
10,500 00 



1802.] AND FIRE-MARINE INSURANCE COS. 115 



150 shares 


200 


it 


100 


u 


100 


II 


300 


it 


100 


II 


100 


St 


100 


M 


100 


II 


100 


II 


100 


II 


100 


it 


100 


it 


150 


II 


60 


II 


65 


II 


67 


it 


250 


II 


50 


tt 


10 


II 


20 


(l 


100 


tt 


100 


II 


37 


(t 


75 


tt 


100 


tt 


200 


tt 


200 


it 


100 


tt 


100 


tt 



Boylston National Bank, Boston, 
Commonwealth Nat'l irk, Boston 
Eliot National Hank, Boston, 
{freeman's National Bank, Boston 

Howard National Hank, Boston, 
Merchants 1 Nat'l Hank, Boston, 
Natl Bank of Commerce, Boston 
Nat'l Exchange Hank, Boston, 
New Engl and Nat'l Bank, Boston 
Old Boston Nat 1 ] Bank, Boston, 
Shawmilt Nat'l Bank, Boston, 
Tremont Natl Bank, Boston, 
Washington Nat'l Bank, Boston, 
Webster Nat'l Bank, Boston, 
Winthcop Xat'l Bank, Boston, 
First National Bank, Chicopee, 
Franklin Co. N'l B'k, Greenfield 
City National Bank, Holjoke, 
First National Bank, Lynn, . 
Monson Nat'l Bank, Monson, 
Adams Xat'l Bank, No. Adams, 
First Nat'l Bank, Northampton, 
Northampton N'l B'k, N'hamptoo 
Palmer National Bank, Palmer, 
Ware National Bank, Ware, 
Bank of No. America, New York 
Continental Xat'l B'k, New York 
Fourth Nat'l Bank, New York, 
N'l B'k of Commerce, New York 
St. Paul Nat'l B'k, St. Paul, Minn 



Tar Value. 

015,000 00 

20,000 00 

10,000 00 

10,000 00 

30,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

15,000 00 

6,000 00 

6,500 00 

6,700 00 

25,000 00 

5,000 00 

1,000 00 

2,000 00 

10,000 00 

10,000 00 

3,700 00 

7,500 00 

7,000 00 

20,0 00 

20,000 00 

10,000 00 

10,000 00 



Market Value. 

$19,500 00 

27,200 00 

13,500 00 

10,000 00 

33,000 00 

14,600 00 

12,800 00 

13,700 00 

16,000 00 

10,700 00 

12,7d0 00 

10,300 00 

11,200 00 

15,000 00 

7,020 00 

9,100 00 

6,700 00 

27,500 00 

6,750 00 

1,500 00 

2,500 00 

12,500 00 

18,000 00 

5,550 00 

7,875 00 

11,550 00 

26,000 00 

40,000 00 

20,000 00 

12,000 00 



$1,867,400 00 $2,656,840 00 



Securities held as collateral for cash loans : — 

100 shares Nonotuck Paper Co., Holyoke, Mass. 
1 " Parsons Paper Company, 

115 " West Springfield Aqueduct Co., 
30 " West Springfield Aqueduct Co., 
72 " Thompsonville (Ct.) Water Co., 
45 " Third National Bank, Springfield, 
17 " Springfield Street Railroad, . 
6 u Shawmut National Bank, Boston, 
10 " Citizens' Nat'l Bank, New Bedford 

Union Pacific Railroad bonds, . 

Old Colony Railroad bonds, 



Market Value. Loaned Thereon. 



§ 2o,000 00 i 

10,000 00 ) 

14,375 00 

3,750 00 ) 

2,160 00 ) 

9,000 00 } 

3,400 00 \ 

750 00 ^ 

1,250 00 " 



2, LOO 00 j 
3,180 00 j 



$25,000 00 

11,500 00 
5,000 00 

9,000 00 



)> 6,500 00 



,965 00 $57,000 00 



116 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Inter. -St due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loan^ on collateral security, as per schedule, 
Cash in the office of the company, . 
( !ash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 

Re-insurance, 

Gross assets, 

Deduct special deposits in other States, . 



Balance, $3,696,504 20 



31, 1892. 

$109,000 00 

332,900 00 

8,117 64 

2,656,840 00 

57,000 00 

10,104 67 

311,150 30 

24,324 00 

239,286 87 

905 50 

1,875 22 



$3,751,504 20 
55,000 00 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, . 

Income 
Fire premiums outstanding Dec. 31, 1891 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net casta fire premiums received, 



$97,676 30 

173,839 70 

26,453 73 



$297,969 73 
12,555 20 



$285,414 53 

1,345,486 57 

35,893 02 

$1,666,794 12 

11,945 50 
1,654,848 62 



. $2,041,655 58 
. 1,500,000 00 

. $541,655 58 



$211,267 67 
2,149,792 76 



$2,361,060 43 
239,286 87 

$2,121,773 56 
274,502 39 



,847,271 17 



* Value of lands mortgaged, 
Value of building* thereon, 
Amount of insurance held as collateral, . 



$253,900 00 
367,100 00 
276,700 00 



1892.] AND FIRE-MARINE INSURANCE COS. 117 



Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, 



$15,982 32 

132,490 19 

4,197 26 



Gross cash income, $1,999,940 94 

Expenditures. 

Cash paid for fire losses, $1,291,281 61 

Deduct salvage and re-insurance, . . . 70,546 10 

Net cash paid for fire losses, .... $1,220,735 51 

Cash dividends paid, 150,000 00 

Cash paid for commissions and brokerage, 



for salaries of offioers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, . 

Risks and Premiums. 
Fire and tornado risks outstanding Dec. 31, 



1891, 

Fire and tornado risks written during 1892, 

Total 

Deduct risks expired and terminated, . 

In force at end of year, . 



$190,860,299 
167,952,500 



326,096 44 

68,906 05 

59,793 98 

174,320 54 

. $1,999,852 52 



Premiums. 

00 $2,451,928 08 
00 2,149,792 76 



$358,812,799 
156,216,176 



00 $4,601,720 84 
00 1,984,338 34 



$202,596,623 00 $2,617,382 50 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$30,793,534 00 
19,058,308 00 
1,270,399 00 
2,804,542 00 
150,000 00 
181,500 00 



WELLFLEET MARINE INSURANCE COMPANY, WELLFLEET. 

[Incorporated Dec. 28, 1885. Commenced business Feb. 1, 1886.] 

Paid-up Capital, $100,000. 
THOS. KEMP, President. CHAS. A. COLLINS, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

80 shares Faneuil Hall Nat'l Bank, Boston, . $8,000 00 $11,040 00 

54 " Union Market NT Bank, Watertown, 5,400 00 8,100 00 

93 " Freeman's National Bank, Boston, . 9,300 00 9,300 00 

30 " Hide and Leather N'l Bank, Boston, 3,000 00 3,810 00 



118 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



30 shares Manufacturer's Nat'l Hank, Boston, 

23 M First National Bank, Portland, 

20 " Home National Bank, Brockton, 

25 " First National Bank, Ayer, 

15 " Blackstone National Bank, Boston, 

18 " State National Bank, Boston, . 

7 " First Ward National Bank, Boston, 

3 M Bepublic National Bank, Boston, . 

50 M Commercial National Bank, Boston, 

150 " Third National Bank, Boston, 

50 " South End National Bank, Boston,. 

50 " Old Colony Railroad, 

18 " Boston & Maine Railroad, 

10 " Ocean Insurance Co., Portland, 



Securities held as collateral for cash loans : — 

1 share Mercantile Wharf Company, 

3 shares Old Colony Railroad, .... 

5 shares Cape Cod National Bank, . 

Loan on company's own stock, . $325 00 



Excess of loan over market value, 



Tar Value. 

|3,000 00 
2,800 00 

2,000 00 

2,500 00 

1,500 00 

1,800 00 

7o0 00 

300 00 

5,000 00 

15,000 00 

5,000 00 

5,000 00 

1,800 00 

1,000 00 



Market Value. 

$3,090 00 

2.300 00 

3,000 00 

2,625 00 

1,455 00 

2,232 00 

910 00 

483 00 

4,850 00 

15,900 00 

5,000 00 

9,200 00 

3,060 00 

100 00 



^72,600 00 $86,455 00 

Jlarktt Value. Loaned Thereon. 

$250 00 #425 00 

495 00 I 800 00 

600 00 S 



$1,345 00 



Summary of Assets Dec. 31, 1892. 



$1,225 00 
175 00 

$1,050 00 



Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Loans on personal security, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Kotes taken for marine and inland risks, 
Gross assets, 

Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 



f 1,500 00 

148 75 

86,455 00 

1,050 00 

3,700 00 

768 20 

12,485 87 

151 25 

13,000 00 

42,500 46 



$8,200 00 
41,838 46 



$161,759 53 



50,033 46 

(111,726 07 

100,000 00 

$11,726 07 



* Value of land* mortgaged, 
Value of buUdingi thereon, . 

Amount of Insurance held an collateral, 



100 00 

1,200 00 
800 00 



1802.] AND FIRE-MARINE INSURANCE COS. 119 



Income. 

Marino premiums collected, .... $52,075 97 
Less re-insurance and return premiums, . . 2,093 73 

Net cash marine premiums received, . . 

[nteresl received on mortgages, ...... 

Interest and dividends received from all other sources, . 

Gross cash income, 



$49,982 21 

105 00 

4,831 85 

$54,919 09 



Expenditures. 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, . 

Net cash paid for marine and inland losses, 

Cash dividends paid 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$17,055 09 
2,648 50 




Gross cash expenditures, .... 

Risks and Premiums, 

Marine risks outstanding Dec. 31, 1891, . 
Marine risks written during 1892, . 



$688,932 00 
905,109 00 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$1,594,041 00 
987,407 00 



$606,634 00 
9,900 00 



$44,406 59 

6,000 00 

4,304 70 

1,629 84 

1,294 56 

418 2L 

$58,053 90 



Premiums. 

$32,248 13 
51,260 46 

$83,508 59 
41,008 13 

$42,500 46 
667 00 



$596,734 00 $41,833 46 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, .... 



$368,316 00 

333,058 00 

39,906 00 

30,000 00 

6,000 00 

26,000 00 



120 FIRE-MARINE INSURANCE COS. [Dec. 31/92. 



AGGREGATE. 



Capital Stock. 
"Whole amount of capital actually paid up in cash, . 



Gross present assets, 



Assets. 



Liabilities. 



Gross present liabilities, 

Income. 
Cash actually received for fire premiums, . 

actually received for marine premiums, . 
for interest and dividends from all sources, 
from all other sources, 

Gross cash income, 

Expenditures. 
Cash actually paid during the year for fire losses, 

actually paid during the year for marine losses, 
dividends to stockholders, .... 
for brokerage and commissions on premiums, 
for salaries and pay of officers and employees, 
for State and local taxes, .... 
for office, agency and incidental expenses, 

Gross cash expenditures, . . . 

Miscellaneous. 
Whole amount of fire risks written during the year, 
premiums charged or receivable thereon, 
marine risks written during the year, 
premiums charged or receivable thereon, 
tire risks terminated during the year, 
marine risks terminated during the year, 
fire risks outstanding at end of year, 
murine risks outstanding at end of year, 
cash dividends declared during the year, 
(iic losses incurred during the year, 
marine losses incurred during the year, . 



$5,007,200 00 

$11,319,528 00 

$3,728,938 00 



$3,232,001 00 

1,271,444 00 

418,910 00 

23,155 00 



$4,945,510 00 



$1,977,048 00 
841,006 00 
373,142 
664,093 
254,702 
108,350 
367,521 



00 
00 
00 
00 
00 



$4,585,862 00 



$328,411,742 00 

3,866,009 00 

76,248,562 00 

1,363,337 00 

304,074,993 00 

76,138,781 00 

396,857,653 00 

13,403,294 00 

372,716 00 

2,036,179 00 

1,013,222 00 



FIRE, MAEINE, AND FIRE-MARINE 

INSURANCE COMPANIES 

OF OTHER STATES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1892. 



122 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES, 



".ETNA INSURANCE COMPANY," HARTFORD, CONN. 

[Incorporated June, 1819. Commenced business Aug. 17, 1819.] 

Paid-up Capital, $4,000,000. 

WM. B. CLARK, President. JAMES F. DUDLEY, Secretary. 



Detailed Statement of Stocks and Bonds. 



United States bonds, . 
Alabama State bonds, 
Georgia State bonds, 
Mississippi State bonds, . 
New Hampshire State bonds, 
Rhode Island State bonds, 
South Carolina State bonds, 
Tennessee State bonds, 
Hartford County, Conn., bonds, 
Mecklenburg County, N. C, bonds, 
Barkhamsted, Conn., town bonds, 
Norwich, Conn., town bonds, . 
Pawtucket, R. I., town bonds, . 
Windsor Locks, Conn., town bonds, 
Albina, Oregon, City boulevard bonds, 
Bainbridge, Ga., city academy bonds, 
Bloomington, 111., city bonds, . 
Boston, Mass., city bonds, 
Brooklyn, N. Y., city bonds, 
Buffalo, N. Y., city bonds, 
Cleveland, Ohio, city bonds, 
Cincinnati, Ohio, city water bonds, . 
City of Sioux Falls, So. Dakota, funding 
Chicago, 111 , city bonds, . 
Columbus, Ohio, city improvement bond 
Dalles City, Oregon, water bonds, . 
Dallas, Tex., city water and sewer bonds 
Detroit, Mich., city bonds, 
Fostoria, Ohio, city water bonds, 
Foil Wayne, hid , city bonds, . 
Glenville, Ohio, village bonds,. 

Greensboro 1 , N. C, city .school bonds, 



bond 



Par Value. 

100,000 00 
10,000 00 
25,000 00 
11,000 00 
48,000 00 
43,000 00 
15,000 00 
23,000 00 
10,000 00 
50,000 00 
2,000 00 
100,000 00 
100,000 00 
10,000 00 
25,000 00 
8,000 00 
20,000 00 
50,000 00 
9,000 00 
50,000 00 
25,000 00 
30,000 00 
25,000 00 
27,000 00 
40,000 00 
25,000 00 
50,000 00 
30,000 00 
25,000 00 
25,000 00 
29,000 00 
24,000 00 



Market Value. 

$112,000 00 
10,200 00 
27,500 00 
12,650 00 
57,600 00 
44,290 00 
15,150 00 
17,710 00 
10,000 00 
57,500 00 
2,000 00 
130,000 00 
107,000 00 
10,800 00 
28,750 00 
8,800 00 
20,800 00 
56,500 00 
9,900 00 
65,000 00 
25,750 00 
32,100 00 
25,000 00 
29,820 00 
42,400 00 
27,500 00 
52,000 00 
30,600 00 
25,000 00 
28,000 00 
30,450 00 
21,480 00 



1892.] 



INS. COS. OF OTHER STATES. 



123 






Par Value. Market Value. 

Greetmlte, Ala., city school bonds,. . . $20,000 00 $21,000 00 

Hamilton, Ohio, city gas works bonds, . . 25,000 00 26,250 00 

Hartford, Conn., city bonds 94,000 00 99,250 00 

Indianapolis, End., city bonds 50,000 00 54,<>00 00 

Jersey City, X. J., city bonds 15,000 00 15,000 00 

Kansas City, Kansas, improvement bonds, . 60,000 00 64,500 00 

Lockport, N.Y., city bonds, .... 25,00000 28,75000 

Montreal, Canada, corporation stock, . . 19,000 00 21,280(0 

Montreal, Canada, harbor bonds, . . . 4,000 00 4,000 00 

Newark, N. J., city bonds, .... 50,00000 54,50000 

New Brunswick, N. J., bonds, . . . . 28,000 00 29,960 00 

Ogden City, Utah, improvement bonds, . . 18,000 00 18,360 00 

Ottumwa, la., city bonds, .... 4,00000 4,00000 

Providence, R. I., city bonds, .... 50,000 00 67,500 00 

Rahway, X.J. , city bonds 45,000 00 27,000 00 

Richmond, Va., city bonds, .... 44,050 00 49,855 00 

Roanoke, Va., city bonds, .... 30,000 00 31,500 00 

Rochester, X.Y., city bonds, .... 25,00000 25,25000 

Seattle, Wash, city bonds, .... 50,00000 50,00000 

St. Louis, Mo., city gold bonds, . . . 50,000 00 54,000 00 

Superior, Wis., city gold bonds, . . . 25,000 00 26,250 00 

Toledo, Ohio, city bonds 18,000 00 20,050 00 

Topeka, Kansas, city bonds, .... 25,000 00 26,250 00 

Urbaua, Ohio, city bonds, 25,000 00 27,500 00 

Chamber of Com. Safety Vault bonds, Chic, . 35,000 00 36,750 00 

Central Safety Deposit bonds, Chicago, . . 50,000 00 52,500 00 

Taeoma Safety Deposit bonds, Chicago, . . 50,000 00 55,000 00 

Independ School Dist., Chelsea, la., bonds, . 1,000 00 1,Q00 00 

Independ. School Dist., Ottumwa, la., bonds, . 15,000 00 15,000 00 

North EastSchool Dist, Hartford, Conn. .bonds, 20,000 00 20,000 00 

School Dist. Xo. 2, Enfield, Conn , bonds, . 4,000 00 4,000 00 

School Dist. No. 1, County of Pueblo, Col., b'ds, 25,000 00 25,000 00 

School Dist. 24, Woodbridge, N. J., bonds, . 9,000 00 9,450 00 

State of 111., Mason & Tazewell Drain. Dist. b'ds, 9,000 00 9,900 00 

Young Men's C. A. bonds, Wilmington, N. C, 20,000 00 20,000 00 

Underwriters' Prot.Asso., Newark, N. J., bonds, 1,000 00 1,000 00 

Albany & Susquehanna Railroad bonds, . . 100,000 00 123,000 00 

Alabama Central Railroad bonds, . . . 25,000 00 28,750 00 

Atchison, Colorado & Pacific Railroad bonds, . 50,000 00 50,000 00 

Akron & Chicago Junction bonds, . . . 25,000 00 26,250 00 

Buffalo & Erie Railroad bonds, . . . 46,000 00 53,360 00 

Canadian Pacific Railway Co. land grant, . 100,000 00 108,000 00 

Chesapeake & Ohio Railroad bonds, . . 25,000 00 20,000 00 

Cleveland, Col., Cin. & Indianap. R.R. bonds, . 85,000 00 108,300 00 

Chicago, Burlington & Quincy R.R. bonds, . 129,400 00 145,120 00 

Chicago, Milwaukee & St Paul R.R. bonds, . 195,000 00 242,200 00 

Chicago & Northwestern Railroad bonds, . 155,000 00 198,650 00 

Chicago, R. I. & Pacific Railroad bonds, . . 160,000 00 177,500 00 



124 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Chicago & Western Indiana Railroad bonds, . 
Cincinnati, Dayton & [ronton Railroad bonds, 

Cincinnati. Hamilton ft Dayton It.it. bonds 

Columbus cV: Toledo Railroad bond-. 

Dayton & Western Railroad bonds, . 

Delaware & Hudson Canal Co. bonds, 

Flint & Pere Marquette Railroad bonds, . 

Harlem River & Port Chester R.R. bonds, 

Indiana & Lake Michigan R.R. bonds, 

Iowa Midland Railroad bonds, 

Kansas Pacific Railroad bonds, 

Keokuk & Des Moines Railroad bonds, . 

Lake Shore Railroad bonds, 

Lake Shore & Michigan Southern R.R. bonds 

Louisville, New Albany & Chicago bonds, 

Louisiana & Mo. River Railroad bonds, . 

Memphis & Charleston Railroad bonds, . 

Mahoning Railroad bonds, 

Michigan Central Railroad bonds, . 

Minneapolis & St. Louis Railroad bonds, . 

Minneapolis Union Railroad bonds, . 

Morris & Essex Railroad bonds, 

New York Central Railroad bonds, . 

New York Central & Hudson Riv. R.R. bonds 

New York & Harlem Railroad bonds, 

New York, Lake Erie & Western R.R. bonds 

New York & New England R.R. bonds, . 

Norfolk & Western Railroad bonds, 

Northwestern Union Railroad bonds, 

Oswego Railroad Bridge Co. bonds, 

Ohio & West Virginia R.R. bonds, . 

Pittsburgh, Fort Wayne & Chicago R.R. bonds 

St. Paul, Minn. & Manitoba R.R. bonds, . 

St. Paul & Northern Pacific Railroad bonds, 

St. Paul & Sioux City Railroad bonds, 

Vermont Valley Railroad bonds, 

Wabash Railroad bonds, .... 

West Shore Railroad bonds, 

Atlantic Dock Company bonds, 

Loan and Guarantee Co. of Conn, bonds, 

Atlantic Mutual Ins. Co. scrip, . 

50 shares Connecticut River Company, 
500 " Albany & Susquehanna Railroad 
250 " Bald Eagle Valley Railroad, 
160 " Central Ohio Railroad, . 
500 " ClevcPnd, Cin., Chic, & St. L. R.R., 
1,000 " Cleveland & Pittsburgh \Ui., 
220 " Chicago, Burl, & Quincy It. Li., 



Par Value. 

$66,000 00 
25,000 00 

57,000 00 
14,000 00 
28,000 00 
65,000 00 
60,000 00 

150,000 00 
50,000 00 
25,000 00 
25,000 00 
40,000 00 
30,000 00 
95,000 00 
25,000 00 
25,000 00 
25,000 00 
30,000 00 
50,000 00 
25,000 00 
50,000 00 

135,000 00 
37,000 00 

175,000 00 
10,000 00 
45,000 00 
50,000 00 
50,000 00 
25,000 00 
50,000 00 
26,000 00 

196,000 00 
13,000 00 
50,000 00 
20,000 00 
50,000 00 
25,000 00 
50,000 00 
31,000 00 
10,000 00 
42,940 00 
5,000 00 
50,000 00 
12,500 00 
7,500 00 
50,000 00 

50,000 00 
22,000 00 



Market Value. 

$76,810 00 
25.000 00 
64,735 00 
15,680 00 
31,640 00 
66,800 00 
50,250 00 

189,000 00 
52,500 00 
30,000 00 
27,500 00 
40,000 00 
34,500 00 

115,750 00 
27,500 00 
29,500 00 
29,500 00 
33,000 00 
60,000 00 
33,250 00 
58,500 00 

185,700 00 
37,000 00 

218,750 00 
12,000 00 
61,650 00 
6'\000 00 
61,500 00 
33,500 00 
60,0 )0 00 
29,900 00 

275,100 00 
14,560 00 
61,000 00 
24,400 00 
52,500 00 
26,250 00 
52,000 00 
33,180 00 
10,000 00 
41,013 50 
1,000 00 
82,500 00 
25,000 00 
7,500 00 
47,500 00 

77,500 00 
21,340 00 



1802.] 



INS. COS. OF OTHER STATES. 



125 



Tar Value. Market Value. 

220 shares Chicago, Rock IsL, & Pacific R.R , $22,000 00 $ 18,480 00 

800 " Connecticut River Railroad, . . 30,000 00 82,500 00 

500 " Conn. & Pass. Rivers Railroad, . 50,000 00 51,000 00 

300 " Dayton & Michigan Railroad, . 15,000 00 24,000 00 

400 M Fort Wayne & Jackson R.R., . 40,000 00 46,400 00 

100 " Jolict & Chicago Railroad, . . 10,000 00 15,000 00 

200 " Kal., Allegan & Gr. Rapids R R., . 20,000 00 23,000 00 

200 " Keokuk & Des Moines R.R., . . 20,000 00 3,200 00 

1,000 " Morris & Essex Railroad, . . 50,000 00 75,500 00 

800 " New York Cent. & Hudson R. R.R, 80,000 00 88,000 00 

500 " New York & I larlcm Railroad, . 25,000 00 65,0)0 00 

1,500 " N. Y., N. II. & II. R.R., . . 150,000 00 382,500 00 

1,000 " Northwest Telegraph Company, . 50,000 00 51,000 00 

750 " Pitts., Ft. Wayne & Chicago R.R., . 75,000 00 116,250 00 

150 " Peoria & Bureau Valley R.R., . 15,000 00 25,500 00 

200 " Rensselaer & Saratoga R.R., . 20,000 00 36,200 00 

200 " Valley (New York) R.R., . . 20,000 00 22,000 00 

200 " iEtna Nat'l Bank, Hartford, Conn., 20,000 00 28,000 00 

200 " American Natl Bank,IIart.,Conn., 10,000 00 15,200 00 

400 " Charter Oak N'l B% Hart.,Conn., 40,000 00 42,400 00 

160 " City Bank, Hartford, Conn., . . 16,000 00 16,800 00 

J50 " Conn. Riv.B'k'g Co., Hart., Conn., 7,500 00 7,650 00 

350 " Farmers 1 and Mech. N'l B% Hart , 35,000 00 39,200 00 

200 " First National Bank, Hart., Conn., 20,000 00 22,000 00 

1,000 " Hartford Natl P,ank,Hart, Conn., 100,000 00 160,000 00 

550 " National Exc. Bank, Hart., Coun., 27,500 00 35,750 00 

1,000 " Phoenix Nat 1 l Bank, Hart, Conn., 100,000 00 131,000 00 

550 " State Bank, Hartford, Conn., . 55,000 00 57,750 00 

400 " American Exc. Nat'l Bank, N. Y., 40,000 00 62,800 00 

400 " Bank of the Manhattan Co., N. Y., 20,000 00 38,000 00 

300 " B'k of N. Y. N. B'k Asso., N. Y., . 30,000 00 70,500 00 

200 " Bank of North America, N. Y., . 14,000 00 23,800 00 

100 " Hanover National Bank, N. Y., . 10,000 00 35,000 00 

300 " Imp. and Trader^Nat'l B'k, N. Y., 30,000 00 186,000 00 

100 " Market and Fulton N'l B'k, N. Y., 10,000 00 23,000 00 

700 " Merchants 1 Nat'l Bank, N. Y., . 35,000 00 54,250 00 

120 " Merchants' Exc. Nat'l B'k, N. Y.,. 6,000 00 8,100 00 

1,200 " Mechanics 1 National Bank, N. Y., 30,000 00 58,500 00 

400 " Metropolitan Nat'l Bank, N. Y., . 40,000 00 3,200 00 

200 " Nassau Bank, N. Y., . . . 10,000 00 17,500 00 

500 " Nat'l Bank of Commerce, N. Y., . 50,000 00 100,000 00 

150 " N'l Bank of the Republic, N. Y., . 15,000 00 26,400 00 

300 " N'l Butchers' & Drovers 1 B'k, N. Y., 7,500 00 14,025 00 

100 " National City Bank, N. Y., . . 10,000 00 48,000 00 

300 " Phenix National Bank, N. Y., . 6,000 00 7,800 00 

200 " People's Bank, N. Y , . . . 5,000 00 15,750 00 

100 " Third National Bank, N. Y., . 10,000 00 11,200 00 

250 " Farm, and Mech. Nat'l B'k, Phila., 25,000 00 30,000 00 



126 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 





Par Vaiue. 


Market Value. 


100 Bharea First Natl Hank, Albany, N. Y., . 


$10,000 00 


f 18,000 00 


mo " New Britain N'l Bk, N. B., Conn , 


10,000 00 


16,000 00 


100 " Central Trust Co., X. Y., 


10,000 00 


120,000 00 


100 " Holland Trust Co., N. Y., . 


10,000 00 


20,000 00 


100 " Metropolitan Trust Co., N. Y M . 


10,000 00 


29,000 CO 


150 " N. Y. Life Ins. & Trust Co., X.Y, 


15,000 00 


105,000 00 


100 M United States Trust Co., N. Y., . 


10,000 00 


89,600 00 


100 " Union Trust Co., N. Y., 


10,000 00 


80,000 00 




$7,036,890 00 $9,243,748 50 


Securities held as collateral for cash loans : - 








Market Value. 


Loaned Thereon. 


25 shares Nat'l Bank of Commerce, N. Y., . 


$5,000 00 ) 


$3,600 00 


25 " Mechanics 1 Natfl Bank, N. Y., 


1,118 75 S 


3 M Chicago, Burl'ton & Quiney R.R , 


291 00^ 




18 " Union Pacific R R., . 


684 00 j 




11 " At'son, Topeka& Santa Fe R.R., . 


363 00 I 

340 00 1 

1 


2,000 00 


2 " National New Haven Bank, 




10 " New York & New Jersey Telep. . 


950 00 J 






$8,746 75 


$5,600 00 


Summary of Assets Dec. 


31, 1892. 




Cash value of unencumbered real estate, 


$250,000 00 




Loans on mortgage of real estate (first liens*), 


36,000 00 




Interest due or accrued thereon, . 


295 12 




Stocks and bonds, as per schedule, . 


9,243,748 50 




Loans on collateral security, as per schedule, . 


5,600 00 




Cash in the otlice of the company, . 


11,407 71 




Cash deposited in bank, 


717,166 80 




Interest due and accrued, 


691 96 




Premiums in course of collection (gross), 


763,118 93 




Gross assets, 


«i 1 noQ aoo no 


<jp i 


J.,V/X.U,VA»/ u« 


Deduct special deposits in other States, . 


... 


254,755 00 






Liabilities. 






Losses adjusted, unpaid, 


$88,997 57 




claimed and reported, .... 


29^,834 02 




disputed or resisted, .... 


43,583 84 




Total amount of losses, 


$427,415 43 




Less re-insurance, ...... 


30,330 81 




Net amount of unpaid losses, .... 


$397,084 62 




Unearned premiums on outstanding risks, 


2,748,992 27 












Amount of insurance .held as collateral, 


26,600 00 



1892.] 



INS. COS. OF OTHER STATES. 



127 



Reclaimable on perpetual fire policies, . 
Due ami accrued for rent, salaries, etc., . 
Commissions and brokerage, . 
Return premiums, 

Gross liabilities except capital, . 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re insurance and return premiums, . 

Net cash tire premiums received, 

Marine premiums outstanding Dec. 31, 1891, 

Premiums on risks w r ritten or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurauce and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Deposits received for perpetual fire r 

Gross cash income, .... 



Expenditures. 

Cash paid for fire losses $1,968,413 39 

Cash paid for marine and inland losses, 148,858 65 

Cash dividends paid 720,000 00 

Cash paid for commissions and brokerage, .... 616,627 30 

for salaries of officers and employees, . . . 217,363 85 

for State and local taxes, 60,065 37 

for incidentals, 238,267 17 

Deposits returned on perpetual fire risks, $1,500 65 



$44,215 96 

500 00 

142,397 19 

71,662 01 

$3,404,852 05 

139,980 90 $3,264,871 15 



. $7,508,402 87 
. 4,000,000 00 

. $3,508,402 87 



$558,394 35 
4,117,678 57 

$4,676,072 92 
684,447 95 

§3,991,624 97 
595,791 32 

$65,878 26 
278,778 48 

$314,656 74 

78,670 98 

$265,985 76 
34,415 15 



sources, 



isks, $15,244 89 



$3,395,833 65 



231,570 61 
2,339 79 

461,476 94 
6,998 59 



. $4,098,219 58 



Gross cash expenditures, 



1,969,595 73 



128 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 



Fire riska outstanding Dec 31, 1891, 
Fire risks written during 1892, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 

Deduct amount re-insured, 



$407,136,335 
333,355,018 



Premiums. 

00 ?4,897,987 26 
00 4,117,678 57 



$740,491,853 
293,437,495 



$447,054,358 
23,023,939 



Net amount in force, . . . . $424,030,419 
Perpetual risks in force (not included above), 2,096,400 

Marine risks outstanding Dec. 31, 1891, . $3,299,205 

Marine risks written during 1892, . . 79,200,948 



00 $9,015,665 <^3 
00 3,592,804 67 

00 $5,422,861 16 
00 279,049 31 

00 $5,143,811 85 
00 46,543 00 

00 $66,473 71 
00 278,778 48 



Total 

Deduct risks expired and terminated, 

In force at end of year, . 



$82,500,153 
80,064,776 



00 $345,252 19 
00 275,064 43 



$2,435,377 00 $70,187 76 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, 
Inland losses incurred during the year, . 
Cash dividends declared from organization of company 
Dividends declared during the year (18 per cent), 
Company's stock owned by directors, 



$121,860,334 00 

70,233,895 00 

2,022,251 00 

199,662 00 

20,033,365 00 

720,000 00 

395,000 00 



" AGRICULTURAL INSURANCE COMPANY," WATERTOWN, N. Y. 

[Incorporated 1853.* Commenced business February, 1853.] 

Paid-up Capital, $500,000. 

JEAN R. STEBBINS, President. H. M. STEVENS, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Union Pacific Railroad bonds, .... $2,000 00 $2,200 00 

City of Kingston bonds, 144,700 00 156,276 00 

City of Richmond bonds, . . . . . 25,000 00 25,000 00 

Dexter Sulphite Pulp and Paper Co. bonds, . 5,000 00 5,000 00 

Nrw York Central & Hudson River R.R. stock, 60,000 00 65,700 00 

Illinois Central Railroad stock, . . . 21,700 00 21,480 00 

Western Union Telegraph stock, . . . 38,500 00 37,152 50 

National Union Bank stock, . ... . 13,60000 22,10000 

Watertown National Bank stock, . . . 5,000 00 9,000 00 

Excelsior Carriage Company stock, . . 2,500 00 2,500 00 

Union Building and Loan Company stock, . 5,000 00 5,000 00 



$ 323,000 00 $351,408 50 



Organized at mutual 1853, incorporated a^ stock 18G3 



1892.] 



INS. COS. OF OTHER STATES. 



129 



Securities held as collateral for cash loans : — 

Bagley A Sewal] Company stock, . 
Trinidad Asphalt Paving Company stock, 
Watertown National Bank stock, 
Ogdensburg A Lake Champlaio R.R. stock, 
Watertown Spring Wagon Company stock, 
Chicago & Alton Railroad stock, 
Western Union Telegraph stock, 
Watertown National Bank stock, 

Mortgage 

First National Bank of Carthage stock, . 

Mortgages 

Town of Clayton bonds, .... 
Town of Wilna bonds, .... 



Market Value. 

$23,700 00 

22,500 00 

2,700 00 

4,000 00 

10,500 00 

6,380 00 

1,930 00 

1,800 00 

4,075 00 

6,250 00 

49,800 00 

600 00 

1,200 00 



Loaned Thereon. 

$10,000 00 
8,000 00 
1,075 00 
2,000 00 
7,000 00 
3,899 91 
950 00 

2,000 00 

5,000 00 
23,646 24 

1,186 80 



$135,435 00 $64,757 95 



Summary of Assets Dec 

h value of unencumbered real estate, 
Loans on mortgage of real estate (tirst liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Notes taken for tire risks, 

Gross assets, 

Deduct special deposits in other States, . 

Balance, 

Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 



31, 1892. 

$244,442 37 

1,270,729 59 

49,230 52 

351,408 50 

64,757 95 

6,849 71 

259,317 83 

2,654 56 

121,870 70 

18,367 77 



$2,389,629 50 
181,276 00 



$2,208,353 50 



$26,437 76 

32,817 63 

20,016 00 

1,416,425 14 

5 00 

28,131 70 

$1,523,833 23 

115,397 20 



1,408,436 03 

$799,917 47 
500,000 00 



§299,917 47 



* Total value of property mortgaged, 



$2,863,785 00 



130 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Same not collected, 

Net collected 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash tire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Rents, 



Gross cash income, .... 

Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of oih'cers and employe 

for State and local taxes, 

for incidentals, .... 



Gross cash expenditures, 



$131,326 90 
17,849 00 

$113,477 90 
1,193,574 59 

$1,307,052 49 
140,238 47 

$1,166,814 02 
153,904 18 



sources, . 



- $1,012,909 84 

82,509 05 

24,420 02 

3,346 65 

. $1,123,185 56 



$592,774 60 
21,056 25 



s, 



$571,718 35 

50,015 00 

208,332 40 

128,174 89 

20,810 24 

64,502 70 



$1,043,553 58 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1891, . $263,628,371 00 $2,590,250 14 
Fire risks written during 1892, . . 127,973,341 00 1,193,574 59 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

JSet amount in force, 



J 



$391,601,712 00 
106,963,196 00 



1,783,824 73 
991,128 22 



$284,638,516 00 $2,792,696 51 
. 8,312,000 00 70,744 00 



$276,326,516 00 $2,721,952 51 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . . . . 
Cash dividends declared from organization of company. 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, . 



$16,509,784 00 

7,849,010 00 

596,316 00 

930,000 00 

50,000 00 

201,250 00 



1892.] 



INS. COS. OF OTHER STATES. 



131 



"ALBANY INSURANCE COMPANY," ALBANY, N. Y. 

[Incorporated March 8, 1811. Commenced business March 16, 1811. Reorganized Jut.e 1, 1S81.] 

Paid-up Capital, $250,000. 
JOHN" nOWARD KING, President. RICHARD V. DE WITT, Secretary. 



Detailed Statement of Stocks 



Waiervliet Turnpike and Railroad bonds, 
Northern Pacific Railroad bonds, 
Albany & Susquehanna Railroad bonds, 
West Shore Railroad bonds, 
New York Central Railroad bonds, . 
Wabash Railroad Company bonds, . 
Municipal Gas bonds, Albany, N.Y., 



and Bonds. 

Par N'alue. 

$6,000 00 
20,000 00 
25,< >00 00 
41,000 00 
50,000 00 
6,000 00 
1,000 00 



Market Yalue. 

$6,900 00 

23,200 00 

29,500 00 

41,717 50 

52,000 00 

5,910 00 

1,114 00 



$149,000 00 $160,371 50 



Summary of Assets Dec. 31, 1892. 

Loans on mortgage of real estate (first liens*), $256,834 50 

Interest accrued thereon, 3,186 88 

Stocks and bonds, as per schedule, . . . 160,371 50 

Cash in the offiee of the company, . . . 5,074 14 

Cash deposited in bank, 11,709 45 

Premiums in course of collection (gross), . 3,460 39 

Re-insurance, 1,347 80 

Gross assets, 



$441,984 6Q 






Liabilities. 
Losses adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc , 

Taxes, 

Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 

Surplus over capital, . 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$8,124 48 

75,058 12 

1,004 31 

3,172 96 

646 02 



88,005 89 

$353,978 77 
250,000 00 

$103,978 77 



$196,050 00 
385,450 00 
268,450 00 



132 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Fire premiums outstanding Dee. 31, 1892 
Same not collected, .... 

Net collected, 

Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash fire premiums received, 
Interest received on mortgages, 
Interest and dividends received from all 
Income from all other sources, 

Gross cash income, . 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



$2,407 19. 
20 CO 

$2,386 59 
121,735 98 

£124,122 57 
3,460 39 

$120,662 18 
13,094 59 



other sources, . 



$57,803 53 
484 49 



Gross cash expenditures, 



$107,567 59 

12,556 62 

7,380 00 

3,468 35 

$130,972 56 



$57,319 04 

20,000 00 

20,580 42 

10,687 75 

5,494 23 

2,707 03 

$116,788 47 



Fire risks outstanding Dee. 31, 1891, 
Fire risks written during 1892, 



Risks and Premiums. 

Premiums. 

. $14,168,224 00 $122,969 74 
. 12,525,441 00 121,735 98 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



J 



$26,693,665 00 
1^,945,858 00 



$244,705 72 
95,400 00 



$15,747,807 00 $149,305 72 
515,793 00 4,626 20 



.$15,232,014 00 $144,679 52 



Miscellaneous. 
Premiums received from reorganization of company, 
Losses paid from reorganization of company, , 
Fire losses incurred during the year, .... 
Cash dividends declared from reorganization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, .... 



$991,148 00 

518,951 00 

58,779 00 

240,000 00 

20,000 00 

64,500 00 



1892.] INS. COS. OF OTHER STATES. 



133 



"AMERICAN INSURANCE COMPANY," NEWARK, N. J. 

[Incorporated Feb. 20, 1846. Commenced business April 1, 1846 ] 

Paid-up Capital, $600,000. 

F. II. HARRIS, President. JAMES II. WORDEN, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, $150,000 00 

North Hudson County, N. J., Railroad bonds, . 100,000 00 

United New Jersey R R. Canal Co. bonds, . 50,000 00 

Morris A: Essex Railroad bonds, . . . 61,000 00 

Lehigh Valley Railroad bonds, . . . 110,000 00 

Newark Underwriters 1 Pro't Ass'n bonds, . 1,000 00 



Market Value. 

$109,500 00 

106,000 00 

53,625 00 

83,265 00 

122,100 00 

1,000 00 



Summary ok Assets Dec 

Cash value of nncnenmbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, 
Cash in the otlice of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Company's own scrip, . . $ 140,000 00 
Premiums more than 3 months due, 721 94 
Gross assets, 



$472,000 00 $535,490 00 

31, 1892. 

8263,841 57 

1,388,695 75 

20,257 95 

535,490 00 

2,312 38 

28,648 88 

6,208 34 

50,606 96 

1,412 75 



$2,297,474 58 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 


$14,692 11 

41,594 75 

4,412 43 




Total amount of losses, 

Less re-insurance, .... 


$60,699 29 
3,257 04 




Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 
Cash dividends to policy-holders unpaid, 
Gross liabilities, except capital, 


$57,442 25 

>, . 480,187 09 

4,726 90 

10,099 68 

2,974 00 


555,429 92 


. 


Surplus as regards policy-holders, . 
Paid-up capital, 


$1,742,044 66 
600,000 00 


Surplus over capital, . 


$1,142,044 66 


* Total value of property mortgaged, 
Amount of insurance held as collatera 


$3,477,505 00 
1, 1,651,625 00 



134 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Fire premiums outstanding Doe. 31, 1892, . $44,086 44 

Same not collected, 600 06 

Net collected, 843,486 88 

Premiums on risks written or renewed, . . 671,310 83 

Total, $714,797 21 

Premiums now in course of collection, . . 51,328 90 

Entire premiums collected, .... $663,468 31 

Less re-insurance and return premiums, . . 124,614: 67 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, 

Income from rents, .... 



Gross cash income, 



$538^53 64 

71,961 36 

27,253 69 

3,202 27 

£641,270 96 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



£281,499 39 
19,586 88 



$261,912 51 

63,152 75 

101,294 14 

47,655 95 

19,331 98 

39,003 51 

. $532,350 84 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 



Risks and Premiums. 

Premiums. 

$101,784,124 00 $855,476 60 
. 78,147,754 00 671,310 83 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$179,931,878 00 $1,526,787 43 
. 66,717,505 00 560,877 25 



£113,214,373 00 $965,910 18 
. 4,163,414 00 43,536 86 



$109,050,959 00 $922,373 32 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, . 



$7,702,501 00 

2,983,233 00 

288,356 00 

1,856,510 00 

60,000 00 

46,075 00 






INS. O >S. I >F OTHER STATJ 



135 



vv CENTRAL IXSURAK OMPANY," 

ST. LOUIS 

[Incorporated February, 1So3. Commenced business February, 1So3.] 

Paid-up Capital, $600,000. 

GEORGE T. CRAM, President. CHARLES CHRLBTKNHKN, Secretary. 



Detailed Statement - KS AMI 

- 

St. Loais city sterling b ... $97,330 00 

St. Look Merch's Bridge Company bon.ls "".000 00 

North MisBOori Railway bo . .000 00 
Laclede Gas Company bon«l». 

I Railway bon .000 00 

mty Park bonds 15,000 00 

Jerseyville. 111.* bonds 000 00 

Norborne, Mo., school bond- 00 
Madison County, III., ferry bonds, ... 

•., boncN 00 

Pier . school bo ... 

Lafayette Com funding bo i>. 700 00 

\ IBank of < St Louis, stock, . 180,000 00 

Commercial Bank, St. Louis, stock. . -.000 00 

Third National Bat. St 1 k, . . I .200 00 

Bauk, St. Louis, stock, . 11,100 00 

Boatmen's Bank. St. Louis, stock, .000 00 

Laclede mpany, St Louis, stock. . 4y800 00 



Market V 

$100,000 00 

: .ooo oo 

. .000 00 
19,000 00 
20,000 00 

-.000 00 
15,000 00 

8,000 00 

4,000 00 
00 

2,800 00 

7 ) 00 

H »,000 00 

68,000 00 

-.000 00 

".000 00 
16.0* 00 

3,000 00 



Securities held as collateral for cash loan- : — 



Broadway Real Estate Company stock, 

-rican Brake Company stock. 
Laclede Building Company bonds, . 
Broadway B Company stock, 

Union Depot Railroad bond- 
St L Ige Railroad b< 



$541,430 00 $714,000 00 



Market Value. Loaned Thereon. 



v. 

: _ 00 00 
51,500 00 
100,000 00 
25,000 00 
34,000 00 



.•XX) 00 
12,000 00 
45,000 00 

50,000 00 



7,500 00 $162,000 00 



Summary of Assets Dec. 31, 1392 

Cash value of unencumbered real estate, . $500,000 00 

Loans on mortgage of real estate (first lien a 53,500 00 

Stocks and bonds, as per schedu'e. . . "14,000 00 

Loans on collateral security, as per schedule, . 1 ]i. '.'.'. 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$:::..:•:■:• :o 

46,000 00 

:.-.:■:: :o 



136 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash in the office of the company, . 
Cash deposited in bank, . 
Prenlinms in course of collection (gross), 
Gross assets. ..... 

Deduct special deposits in other States, . 



Balance, 



Li ABILITIES. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy holders, . 
Paid-up capital, 



Surplus over capital, .... 

Income. 
Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total, . 

Premiums now in course of collection, 



Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, . 

Interest and dividends received from all sources, 

Income from rents, 



Gross cash income, .... 

Expenditures. 
Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash ]>:iid for fire losses, . 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, . 

Gross cash expenditures, . 



$2,011 86 

8G,201 23 

123,387 82 



$1,641,100 41 
50,000 00 

§1,591,100 41 



$14,273 81 

74,547 23 

17,233 70 

$106,054 74 

7,284 66 



$98,770 08 

605,508 58 

18,407 92 



$722,686 58 
4,056 89 



$101,479 29 

967,239 09 

■'1,068,718 38 

123,387 32 



$945,331 06 
178,530 75 



$469,363 94 
3.9,614 20 



718,629 69 

$872,470 72 

600,000 00 

$272,470 72 



$766,800 31 
45,126 09 
26,589 04 

$838,515 44 



$429,749 74 
60,000 00 
122,915 26 
58,835 81 
16,507 73 
82,477 57 

$770,486 11 



1892.] 



IXS. COS. OF OTHER STATES. 



137 



Fire risks outstanding Dec. SI, 1891, 
Fire risks written during 1892, 



Risks and Premiums. 

Premiums. 

$84,469,998 00 $1,060,371 95 
82,739,012 00 967,239 09 



Total 

Deduct ri.-ks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$167,209,010 00 $2,027,611 04 
68,921,670 00 832,466 34 



|98,-287,340 00 $1,195,144 70 
4,570,362 00 59,703 40 



$93,716,978 00 $ 1,135,441 30 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire incurred during the year, . 

Cash dividends declared from organization of company. 
Dividends declared during the year (10 per cent ), 
Company's stock owned by directors, . 



:>.772,415 00 

7,068,827 00 

461,900 00 

986,412 00 

60,000 00 

56,750 00 



"AMERICAN FIRE INSURANCE COMPANY; 1 NEW YORK, N. Y. 

[Incorporated April 30, 1857. Commenced business May 1, 1857.] 
Paid-up Capital, $400,000. 
DAVID ADEE, President. WM. H. CROLIUS, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds $225,000 00 $255,375 00 

St. Louis & Iron Mountain R.R. bonds, . . 10,000 00 8,500 00 

West Shore Railroad bonds 25,000 00 25,500 00 

Lake Gas Company (Chicago) bonds, . . 30,000 00 31,200 00 

\Yestern Union Telegraph bonds, . . . 40,000 00 42,600 00 

Consolidated Gas Company stock, . . . 71,000 00 89,105 00 

Rensselaer & Saratoga Railroad stock, . . 40,000 00 72,000 00 

National Bank of Commerce stock, . . 10,000 00 20,000 00 

American Exchange National Bank stock, . 35,000 00 55,300 00 

Bank of State of New l^ork stock, . . . 6,000 00 7,320 00 

Merchants" National Bank stock, . . . 20,000 00 30,000 00 

Third National Bank stock, . 10,000 00 11,200 00 

Phcenix National Bank stock, .... 4,000 00 5,240 00 

Mercantile Trust Company stock, . . . 10,000 00 32,500 00 

Delaware & Hudson Canal Company stock, . 30,000 00 40,350 00 

New York Central & Hudson River R.R. stock, 50,000 00 54,625 00 

Manhattan Railway Company stock, . . 50,000 00 77,750 00 

'Western Union Telegraph stock, . . . 55,000 00 52,662 50 

Lake. Shoi;e & Michigan So. Railway stock, . 40,000 00 52,000 00 

Pittsburgh, McKeesport & Y. R.R. stock, . 35,000 00 43,750 00 

Standard Gas Company stock, .... 15,000 00 14,250 00 



138 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Pennsylvania Railroad stock, . 

Chicago & Northwestern Railway stock, 

St Paul, Minneapolis & Manitoba R.R. stock, 
Baltimore & Ohio K.H. stock, .... 
Cityof Richmond bonds, 



Par Value. 

$40,000 00 
20,000 00 
20,000 00 
50,000 00 
20,000 00 



Market Value. 

$43,600 00 
22,400 00 
22,600 00 
47,500 00 
20,000 00 



Securities held as collateral for cash loans : - 

60 shares Union Trust Co., . 
262 " Haekensaek Water Co, 
20 " Title Guar. Trust Co., . 



$961,000 00 $1,177,327 50 

Market Value. Loaned Thereon. 

$48,000 00 $31,000 00 
7,205 00 5,000 00 

3,200 00 2,500 00 



$58,405 00 $38,500 00 



Summary of Assets Dec. 31, 1892. 
Loans on mortgage of real estate (first Hens*), $20,500 00 
Interest due or accrued thereon, . . . 210 83 

Stocks and bonds, as per schedule, . . . 1,177,327 50 
Loans on collateral security, as per schedule, . 38,500 00 

Cash in the oflice of the company, . . 34,784 27 

Cash deposited in bank, 81,575 41 

Interest due and accrued, 14,844 24 

Premiums in course of collection (gross), . 322,042 38 
Salvage and re-insurance, .... 7,721 31 

Gross assets,f 

Deduct special deposits in other States, 



Balance, 

Liabilities. 
Losses adjusted, unpaid, .... 

Losses claimed and reported, . 

Unearned premiums on outstanding risks, 

Unpaid scrip ordered to be redeemed, 

Interest due or accrued on scrip, 

Due and accrued for rents, salaries, etc., 

State and local taxes, 

Commissions and brokerage, . 

Return premiums, 

Gross liabilities, except capital, 
Dednct liability on special deposits, 

Surplus as regards policy-holders, . 

Paid-up capital, 

Scrip outstanding not ordered to be redeemed, 

Surplus over capital and scrip, 



$1,697,505 94 
48,375 00 

$1,649,130 94 



J 



$63,735 03 

102,125 15 

825,098 00 

2,291 00 

5,787 38 

8,406 52 

1,630 21 

58,108 28 

21,745 02 

$1,088,926 59 
35,543 06 

$400,000 00 
83,719 80 



1,053,383 53 



$595,747 41 

483,719 80 
$112,027 61 



* Total value of property mortgaged, .... $54,000 00 
Amount of iriHunuico held an collateral, . . . 20,500 00 

f Including $200,000 special reserve fund held under New York law. 



1802.] 



INS. COS. OF OTHER STATES. 



139 



Income. 

Fire premiums outstanding Dec*. 31, 1891, 
Premiums on risks written or renewed, . 

Total. 

Premiums now in course of collection, 



Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash tire premiums received, 
Interest received on mortgages, 



$1,948,087 18 
417,275 14 

$1,530,812 04 

1,067 24 
Interest and dividends received from all other sources, . . 61,209 47 



$350,570 05 
1,919,559 51 

$2,270,129 56 
322,042 38 



Gross cash income, 



. fl,593,088 75 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

(ash dividends paid, .... 

Cash paid for redemption of scrip, . 

Interest paid scrip holders, . - . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 

Gross cash expenditures, . 



$1,299,354 33 
228,991 46 



$1,070,362 87 

40,000 00 

18 00 

81 20 

285,962 90 

91,829 73 

26,983 71 

101,725 76 

$1,616,964 17 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 



Risks and Premiums. 

Premiums. 

f 159,391,933 00 $1,644,127 88 
. 174,051,6''9 00 1,919,559 51 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$333,443,542 00 $3,563,687 39 
. 166,567.682 00 1,689,137 32 



$166,875,860 00 $1,874,550 07 
. 30,705,170 00 324,612 99 



$136,170,690 00 $1,549,937 08 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, . . . . 



^9,936,366 00 

4,523,878 00 

1,080,286 00 

1,356,000 00 

40,000 00 

83,700 00 



140 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



"AMERICAN FIRE ENSURANCE COMPANY," PHILADELPHIA, PA. 

[Incorporated Fob. 28, 1810. Commenced business March 12, 1810.] 

Paid-up Capital, $500,000. 

TIIOS. H. MONTGOMERY, President. RICHARD MARIS, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $30,000 00 $33,750 00 

Philadelphia & Reading Railroad bonds, . 62,000 00 53,552 50 

Northern Pacific Railroad bonds, . . . 40,000 00 47,300 00 

Pennsylvania Equipment Trust bonds, . . 50,000 00 50,000 0u 

Steubenville & Indiana Railroad bonds, . . 50,000 00 53,500 00 

Pennsylvania Railroad bonds, . . . . 64,000 00 81,000 00 

Belt Road and Stock Yard bonds, . . . 20,000 00 20,920 00 

Chicago & Western Indiana Railroad bonds, . 24,000 00 26,403 70 

Philadelphia & Erie Railroad bonds, . . 20,000 00 22,900 00 

Shamokin Valley & Pottsville Railroad bonds, 20,000 00 24,000 00 

Lehigh Coal and Navigation Company bonds, 20,000 00 21,800 00 

North Pennsylvania Railroad bonds, . . 51,000 00 65,280 00 

Virginia & Tennessee Railroad bonds, . . 25,000 00 27,500 00 

Georgia State bonds, 25,000 00 30,250 00 

Delaware & Chesapeake Railroad bonds, . 5,000 00 4,483 34 

Huntingdon & Broad Top Mt R.R. bonds, . 10,000 00 10,200 00 

Huntingdon & Broad Top Mt. R.R. car trust, . 10,000 00 10,150 00 

Borough of Bellefonte, Pa., bonds, ... 500 00 550 00 

Corning, Cowanesque & Antrim R.R. bonds, . 20,000 00 21,000 00 

Philadelphia & Reading Railroad bonds,. . 25,000 00 26,500 00 

Lehigh Valley Railroad bonds, . . . 51,000 00 65,280 00 

Mortgage Trust Company, Pa., bonds, . . 25,000 00 25,104 16 

Middlesex Banking Company bonds, . . 25,000 00 25,125 00 

Richmond, Fred. & Potomac Railroad bonds, . 35,000 00 35,393 75 

Phila. & Reading Railroad bonds, . . . 27,000 00 19,695 00 

Allegheny Valley Railroad bonds, . . . 15,000 00 16,650 00 

Northern Central Railroad bonds, . . . 26,000 00 29,640 00 

New York & Long Branch Railroad bonds, . 15,000 00 16,800 00 

Northern Pacific & Montana Railroad bonds, . 30,000 00 26,100 00 

1 Vnu. .umI New York Canal & Railroad bonds, 50,000 00 56,000 00 

Portland city bonds, 50,000 00 57,500 00 

N. W. Guaranty Loan Company bonds, . . 35,000 00 35,650 00 

Lehigh Valley Railroad bonds, . . . 50,000 00 50,875 00 

Lehighton water bonds, 5,000 00 5,125 00 

Wheeling & Lake Erie Exten. Imp. R.R. bonds, 15,000 00 15,312 50 

Snnbnry, Hazleton & Wilkesbarre R.R. bonds, 10,000 00 10,400 00 

Pittsburg, Cincinnati & St. Louis R.R. bonds, . 30,000 00 31,800 00 

Buffalo Street Railroad bonds, . . . . 20,000 00 19,700 00 

Hugbesvilie. water bonds, 17,000 00 17,085 00 



12.] 



INS. COS. OF OTHER STATES. 



HI 



Pitts., Tin., Chic & St Louia R.R. bonds, 
Springfield water bonds, .... 
United Electric Secnriters 1 bonds, . 
Terre Haute *.v Logansport Railroad bonds, 



Par Value. 

{30,000 00 
10,000 00 
10,000 00 
25,000 00 



Market Value. 

$30,875 00 

10,300 00 

'1 66 

26,625 00 



$1,177,500 00 11,270,426 61 



S rarities held a^ collateral for cash loan- : — 

Leliiirh ('<»al A Navigation Company, 

Lehigh Valley Railroad bonds, 

N i Pennsylvania Railroad bonds, . 

Conn< cting Railroad bonds, .... 

-hares Texas Pacific Railroad, . 
100 ' 

5 

10 ■ 
1, o ' 

30 " 

154 ' 

. I ■ 



Rio Grande Western Railroad, 
' N. r.,Ont. ,v. Western R. \V. Co.. 
1 Northern Pacific Railroad, 
' Fourth Street National Rank.. 
1 First Xat'l Rank of Hughesville, Pa. 
Charleston, >. < .. M. & Mining Co. 
1 Pennsylvania Steel Company, 
' Newark Pas Railway Co., 

1 Philadelphia Traction Company, 
4 Atchisou, Topeka & Santa Fc R.R. 
Philadelphia & Reading Railroad bond-. 
15 shares Travelers" Insurance Company, 
100 " Huntingdon & Broad Top Mt. R.R , 
" Philadelphia ^Reading R.R... 
25 " United Gas Improvement Co., 
5 " West End Trust Company, . 
400 " Atchison & Topeka Railroad, . 
500 " Philadelphia & Reading Railroad. 
50 M Philadelphia Warehouse Co., . 
25 " Land, Title & Trust Company, 
20 " Pennsylvania Salt Manuf £ Co., 
Philadelphia, Reading & New England R.R., 



Summary of Assets Dec. 

Cash value of unencumbered real estate. 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 



Market Value. 

$3,900 00 
6,595 0(C, 
7,040 00 j 
2.320 00 I 
2.737 50 }> 
2,400 00 
5,550 00 

11,137 50 J 

00 
1,150 00 
00 «\ 
00 i 
6,000 00 J 

17,633 00} 
6,675 
8,685 ) 
3,900 00 
3,925 00 ^ 
2,631 25 ! 
1,637 50 j 
175 00 J 

13,350 00? 

13,156 25 S 
5,600 001 
3,125 00 j 
2,080 00 I 
3,800 00 j 



Loaned Thereon. 

62,500 00 



30,000 00 



100 


00 


800 00 


25.000 


00 


25,000 00 


2,000 


00 


1,000 00 


25,000 


00 


12,500 


00 



f 160,093 00 $123,900 CO 

31, 1892. 

6252,296 60 

1,234,600 00 

20,473 82 

1,270,426 61 

123,900 00 

19,052 51 

156,595 02 

58 68 



♦Value of laDde mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$1,412,827 00 
1,581,950 00 

1,023,982 00 



142 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Premiums in course of collection (gross), 
Kent- due and accrued, .... 

Gross assets, 

Deduct special deposits in other States, . 



Balance, 



f 114,897 

8,661 



27 
55 



$3,200,462 06 
87,750 00 



$25,725 

420,831 

20,283 

1,524,289 

546,182 

460 

17,159 



$2,554,932 
26,857 



$81,087 
12,163 



Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, . 

Income. 

Fire premiums outstanding Dec. 31, 1891, 
Same not collected, 

Net collected $68,924 

Premiums on risks written or renewed, . • . 2,947,465 

Total, $3,016,389 

Premiums now in course of collection, . . 114,397 

Entire ])i*emiums collected, .... $2,901,991 

Less re-insurance and return premiums, . . 451,066 

Net cash tire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Income from rents, etc., .... 

Income from perpetual premiums, . 

Deposits received for perpetual tire risks, 

Gross cash income, .... 

Expenditures. 
Cash paid for fire losses, 

( lash dividends paid, ..... 

Cash paid Eor commissions and brokerage, 

for salaries of officers and employees, 

Eor Slate and local taxes, 

for incidentals, .... 

Deposits returned on perpetual lire risks, 

Gross cash expenditures, .... 



13 

07 



06 
19 



25 

27 



98 
21 



$3,112,712 06 



94 
57 
13 
28 
61 
00 
59 



12 

71 2,528,074 41 



$584,637 65 
500,000 00 

$84,637 65 



$2,450,925 77 
69,059 23 
73,276 21 
23,629 08 
34,824 28 



$62,925 35 



. $2,651,714 57 

11,685,029 27 

19,540 00 
513,002 42 
118,500 00 

39,676 00 
205,703 78 



$28,101 07 



. $2,611,451 47 



1892.] 



INS. COS. OF OTHER STATES. 



143 



318,533,005 00 2,947,405 19 



Risks and Premiums. 

rrcmiiima. 

Fire risks outstanding Dec. 31, 1891, . $250,794,848 00 $2,786,483 83 
Fire risks written during 1892, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 

Deduct amount re-insured, 



$575,327,853 00 $5,733,949 02 
283,845,458 00 2,533,084 84 



$291,482,395 00 $3,200,804 18 
14,180,534 00 155,904 30 



Net amount in force $277,301,801 00 $3,044,959 88 

Perpetual risks in force (not included above), 22,570,400 00 595,400 45 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Company's stock owned by directors, .... 



$24,870,700 00 

14,221,904 00 

1,752,952 00 

2,020,975 00 

50,000 00 

24,400 00 



"ATLANTIC MUTUAL INSURANCE COMPANY, 11 
NEW YORK, N. Y. 

[Incorporated April 11, 1842. Commenced business July 1, 1842.] 
JOHN" D. JONES, President. JOSEPH H. CHAPMAN, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value.* 

American Exchange Bank stock, . . . $70,800 00 $70,800 00 

Bank of America stock, 100,000 00 100,000 00 

Bank of Commerce stock, .... 04,100 00 04,100 00 

Bank of New York stock, .... 73,300 00 73,300 00 

Leather Manufacturers 1 Bank, .... 15,000 00 15,000 00 

Merchauts 1 Bank stock, 70,150 00 70,150 00 

Mechanics' Bank stock, 47,075 00 47,075 00 

Manhattan Co. stock 18,000 00 18,000 00 

Market and Fulton Bank stock, . . . 30,000 00 30,000 00 

Phenix Bank stock, 05,340 00 05,340 00 

Atlantic Trust Co. stock, 100,000 00 200,000 00 

Consolidated Gas Co. stock, .... 50,000 00 40,000 00 

New York County stock, 100,000 00 100,000 00 

New York City stock, 213,100 00 195,190 00 

Long Island Railroad Co stock, . . . 25,000 00 20,000 00 

New York Cent. & Hudson River Railroad, . 000,000 00 480,000 00 

New York Central Railroad, .... 139,000 00 111,200 00 



* Estimated for the purpose of permanent investment. 



Ml FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



New York, Lake Erie & Western Railroad, 
New York, Chicago & St. Louis Railroad, 

Wes1 Shore K.R., 

Brooklyn & .Mont tuk R.R, bonds, . 

Seattle, Lake Shore & Eastern Railway, . 

Brooklyn City park bonds, 

Jersey City water bonds, .... 

District of Columbia bonds, 

United States bonds, 



Par Value. 

? 100,000 00 
200,000 00 
200,000 00 
75,000 00 
100,000 00 
122,000 00 
100,000 00 
369,000 00 

5,560,000 00 



Market Value. 

$90,000 00 

150,000 00 

150,000 00 

60,000 00 

90,000 00 

109,800 00 

li»0,000 00 

258,300 00 

5,101,000 00 



5,614,065 00 $7,816,455 00 



Securities held as collateral for cash loans : — 



Fourth National Bank stock, . 

Consolidated Gas Company of X. Y. stock, 

Equitable Gas Company bonds, 

Great Northern Railway stock, 

Western Union Telegraph Company stock, 

General Electric Company bonds, . 

Bank of Commerce stock, . 

South Carolina Railway Company bonds, 

Chicago, Milwaukee & St. Paul R.R. stock, 

Great Northern Railway Company stock, 

Central Railroad Company of N. J stock, 

General Electric Company bonds, . 

Pullman Palace Car Company stock, 

Wabash Railroad Company bonds, . 

Great Northern Railway stock, 

Chicago, Burlington & Quincy R.R. stock, 

New York & New England Railroad Co., 

Great Northern Railway bonds, 

Louisville, Cincinnati & Lexington R'y bonds 

Kansas Pacific R.R. bonds, 

Iowa Central Railway bonds, . 

Chicago, Burlington & Quincy R.R. bonds, 

Texas & Pacific Railway bonds, 

Chicago, Mil. & St. Paul Railway stock, . 

General Electric Company stock, 

Atlantic Trust Company stock, 

Lake Erie & Western Railway Co stock, 

N. Y., Lake Erie & Western R'y Co. stock, 

General Electric Company bonds, . 

Seattle, Lake Shore & Eastern Railway bonds, 

Virginia Midland Railway stock, 

Great Northern Railway stock, 

Montana Central Railway bonds, 

Rio Grande Western Railway Co. stock, 

Bell T< lephone Company stock, 



Market Value. 

$18,700 00 
22,500 00 

5,500 00 
65,000 00 

4,900 00 
10,000 00 

3,000 00 

2,000 00 
40,000 00 
14,900 00 
39,000 00 
10,000 00 
59,700 00 

3,200 00 
26,000 00 
12,700 00 

4,400 00 
17,600 00 

1,100 00 

2,200 00 

4,400 00 
11,000 00 
15,600 00 

3,000 00 
22,600 00 
22,500 00 
48,000 00 

2,500 00 
10,000 00 
46,800 00 
12,000 00 
26,000 00 
28,500 00 

3.100 00 

3,600 00 



Loaned Thereon. 

$22,000 00 
5,000 00 

]> 100,000 00 



S. 50,000 00 
I 50,000 00 

\ 50,000 00 

i 

J 
> 50,000 00 

20,000 00 
i 50,000 00 

I 50,000 00 

1 

[ 50,000 00 

i 
i 

J 



1892.] 



IXS. COS. OF OTHER STATES. 



145 



Chicago, Mil. & St Paul Railway Co. stock, 
Great Northern Railway stock, 
Great Northern Railway stock, 
Rio Grande Western Railway Co. stock, . 
Christopher *v. Tenth Street Railroad stock, 
Cleveland, (in. ft St. Loois Railroad stock, 
General Electric Illuminating stock, 
Richmond & Danville Railway bonds, 
Vicksburg & Meridian Railroad bonds, . 
St. Paul & Dulutli Railroad stoek, . 
City of Mobile bonds, .... 
Consolidated Gas Co. stock, 
New York, Lake Erie & Western R.R. stock, 
General Electric Company stock, 
General Electric Company bonds, . 
Chicago ft North Western Railway stock, 

Bell Telephone stock 

Western Union Telegraph stock, ' . 
Union Pacific Railway Company stock, . 
General Electric Company stock, 
General Electric Company bonds, . 
Chicago Gas Company stock, . 



Par Value. 

$12,400 00 ^ 

13,000 oo • 

26,000 00 ! 
12,400 00 J 
12,600 00 
23,200 00 
22,600 00 
9,100 00 
2,000 00 
1,600 00 
900 00 
68,000 00 
7,500 00 
33,900 00 
10,000 00 
1,200 00 
3,600 00 ) 
58,800 00 ^ 
20,500 00 ! 



35,500 00 ! 
14,000 00 J 
26,000 00 



Market Value. 

$50,000 00 
10,000 00 



► 50,000 00 



\ 100,000 00 



100,000 00 
20,000 00 



$1,036,700 00 $827,000 00 



Summary of Assets Dec. 31, 1892. 



Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in bank and with English bankers, . 
Notes taken for marine and inland risks, 
Gross assets, .... 

Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
Return premiums, .... 

Miscellaneous, 

Gross liabilities except scrip, . 



Surplus as regards policy-holders, . 
Scrip outstanding, not ordered to be redeemed, 



$700,000 00 

7,816,455 00 

827,000 00 

1,805,608 25 

1,336,622 46 



■$12,485,685 71 



$136,115 69 

1,864,598 40 

25,000 00 

1,403,200 31 

232,000 00 

7,865 65 

152,391 55 

17,150 65 



3,838,322 25 



. $8,647,363 46 
. 6,866,920 00 



Surplus over scrip, $1,780,443 46 



146 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 
( lash received for marine premiums, 

re-insurance and return premiums, . 

Cash received for marine premiums, 

Interest and dividends received from all sources, 

Income from rents, 



£3,799,793 50 
377,799 66 



$3,421,993 84 

532,056 39 

39,936 99 



Gross cash income, 

Expenditures. 

Cash paid for marine and inland losses, . . $1,466,178 06 
Deduct salvage and re-insurance, . . . 123,356 14 

Net cash paid for marine and inland losses, . 

( tosfa paid for redemption of scrip, . 

Interest paid scrip-holders, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for repairs on real estate, 

Gross cash expenditures, .... 

Eisks and Premiums. 



$3,993,987 22 



$1,312,821 92 

1,335,340 00 

416,146 30 

20,227 96 

407,386 55 

41,856 89 

11,569 18 



Marine risks outstanding Dec 31, 1891, 
Marine risks written during 1892, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



$126,892,774 00 
. 459,449,958 00 



$3,575,348 80 

Premiums. 

$1,472,142 48 
3,690,250 88 



$586,342,732 00 
. 464,868,152 00 



^5,162,393 36 
3,759,193 05 



$121,474,580 00 $1,103,200 31 



Miscellaneous. 
Marine and inland losses incurred during the year (estimat'd), $1,601,095 00 



"BUFFALO GERMAN INSURANCE COMPANY; 1 BUFFALO, N. Y. 

[Incorporated Feb. 15, 1867. Commenced business Feb. 16, 1867.] 

Paid-up Capital, $200,000. 

PHILIP BECKER, President. OLIVER J. EGGERT, Secretary. 



Detailed Statement of Stocks and Bonds. 

l'ar Value. 

Buffalo city bonds, 

Buffalo & Southwestern RR. bonds, 
Tonawanda Gas Company bonds, . 
Bullalo city warrant, .... 



Market Value. 

$277,500 00 $277,500 00 

36,250 00 36,250 00 

25,000 00 25,000 00 

16,034 33 16,634 33 



Securities held as collateral for cash loans : — 

Third National Bank of Buffalo stock, 

German Bank of Buffalo stock, 

Citizens 1 Gas Company, Bullalo, N. Y., bonds, 



$355,384 33 $355,384 33 

mind Thereon. 

$10,000 00 



Market Value. Loaned Thereon. 

$7,000 00 
12,000 00 
40,000 00 32,000 00 



■-•] 



INS. COS. OF OTHER STATES. 



147 



Firemen's Fund Insurance Company stock, 
t Railroad b« 
nik, Buffalo. N Y. stock, 
Buffalo Loan, Trust and Safe Dep. Co. stock, 

nk, Buffalo, X. Y.. stock, 
Co-operative - \ Y.. stock, 

g Co., Buff-. . X Y.. stock, 
Board of T: - «k, . 

Mian American Bank, Buffalo, N Y .. stock 
ik, Buffalo, X. Y . -tovk, . 
i<>nal Bank. New V ok, 

v of Toled' ter bond-. 

Citizen- mpany, Buffalo, bond- 

n Fire Ins. Company, Buffalo, stock, 
mce bis. Asa .. Bufl . X Y . si ok, 

., Buffalo, X. Y.. stock 
Cataract Bank Niagara Falls, X". Y.. -rock, 
Third National Bank, Buffalo, X. Y ., stock, 



- MM ART MRS DEC 

- h value of unencumbered real estat 
OS <>n mortgage of real estate (first liens* 
Int n, . . . . 

- ind bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
I -h in the office of the company, . 

- ted in bank, .... 
Interest due and accrue 
Premiums in course of collection (gro— 
Notes taken for lire lis ... 

Rents duo and accrued, .... 
Gr aa isetavf ..... 

Liabilities. 
Losses adjusted, unpaid 

claimed and reported, . 

disputed or resisted. 
Unearned premiums on outstanding ri~ 
Commissions and brokerage, . 

Gross liabilit: -pt capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Market Ya'.ae 
$4,000 00 

<X> 00 

<X> 00 

<X> 00 I 
00 00 [ 
00 00 j 

3,125 00 I 
00 j* 
00 00 ! 
1,2.50 00 

00 00? 

1,100 00 S 

900 00 ) 

oo oo S 

-00 00 

00 00 



Loaned Thereon. 

$."3,000 00 

a, oo oo 

6,000 00 



) 00 



26,000 00 

1,000 00 
2,000 00 

1,000 00 

15,000 00 
55,000 00 



$220,345 00 $166,400 00 

8 - 

1300,000 00 
30 00 

: 33 

00 

I 63 

117,675 21 
00 

n 42 
n . 

— ■ $1.' ~ 228 52 



Surplus over capital, 



. ,786 53 
IS 

332,109 19 
I 



369,205 66 

|1,178,039 M 

: :,000 00 

j 7-,'.2i ?6 



* Value of lands mortgaged $811,050 00 

Value of baildings thereon, :-:::. 

Amount of insurance held aa collateral, ... iTb OO 

f Including $200,000 special reserve fund held under New York law. 



148 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
.Same not collected, .... 

Net collected, 

Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, .... 

Income from brokerage, . 



Gross cash income, . 

Expenditures 

Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for expenses on real estate, 

for incidentals, . 

Gross cash expenditures, . 



$52,544 13 
257 56 

$52,286 57 
529,672 67 

$581,959 24 
58,171 04 

$523,788 20 
108,279 19 



sources, 



$216,371 02 
7,396 57 



$415,509 01 

28,468 93 

21,765 58 

18,762 60 

3,454 29 



$487,960 41 



$208,974 45 
40,000 00 
88,633 82 
22,398 60 
7,548 46 
9,846 91 
23,402 72 

$400,804 96 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total, 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$62,101,506 00 
48,061,573 00 

$110,163,079 00 
45,096,120 00 



$65,066,959 00 
3,500,052 00 



Premiums. 

$658,671 42 
529,672 67 

$1,188,344 09 
494,385 04 

$693,959 05 
44,052 32 



11,566,907 00 $649,906 73 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization ol* company, . 
Fire losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 percent.), 
Company's stock owned by directors, . 



$6,869,028 00 

3,511,260 00 

216,005 00 

745,925 00 

40,000 00 

60,000 00 



1892.] 



INS. COS. OF OTHER STATES. 



149 



•■ THE CAPITAL FIRE INSURANCE COMPANY OF CONCORD, N. EL," 

CONCORD, N. H. 

[Incorporated March 10, 1886. Commenced business March 19, 18S6.] 

Paid-up Capital, $200,000. 
LYMAN JACKMAN, President. CHARLES L. JACKMAN, Asst. Secretary. 



Detailed Statement of Stocks and Bonds. 



Portsmouth, N. II., bonds, 
Concord, N. II., bonds, .... 
Dover, N. H., bonds, .... 
Now Hampshire Trust Company bonds, . 
50 shares Concord & Montreal R.R. stock, 
25 " Amory Manufacturing Company, 
25 " Page Belting; Company, . 
25 " Prescott Piano Company, 

1 " Amoskoag Manufacturing Company 

2 " Nashua Manufacturing Company, 
Iowa Loan and Trust Company bonds, . 
Muscatine Mortgage and Trust Co. bonds, 
Nebraska Loan and Trust Company bonds, 
Central Loan and Trust Company bonds, 
Davidson Investment Company bonds, . 
Streater Aqueduct Company bonds, . 
Grand Forks Gas and Elec. Light Co. bonds, 
Winfield Water Company bonds, 
Wichita Water Company bonds, 

Xenia Water Company bonds, 
Kingman, Kansas, Water Company bonds, 
City Water Company bonds, Merrill, Wis., 
Clinton Water Works bonds, . 
City Water Company bonds, Sheboygan, Wis 
15 shares Atchison, Topeka & Santa Fe R.R , 
10 " Northwestern Guaranty Loan Co., 
25 " Denver Consolidated Electric Co., 
Johnson Loan & Trust Co., Ark. City, Kan., bds 



Par Value. 

$65,000 00 
25,000 00 
26,000 00 
6,500 00 
4,050 00 
2,500 00 
2,500 00 
2,500 00 
1,000 00 
1,000 00 
5,000 00 
5,000 00 
1,000 00 
4,000 00 
2,000 00 
5,000 00 
2,500 00 
3,000 00 
2,000 00 
3,000 00 
1,000 00 
5,000 00 
5,000 00 
5,000 00 
1,500 00 
1,000 00 
2,500 00 
2,500 00 



Market Value. 

$66,950 00 
20,000 00 
26,487 00 
6,500 00 
4,050 00 
3,650 00 
2,500 00 
2,500 00 
2,220 00 
1,120 00 
5,000 00 
5,000 00 
1,000 00 
4,000 00 
1,000 00 
5,050 00 
2,500 00 
3,000 00 
2,000 00 
3,000 00 
1,000 00 
5,000 00 
5,000 00 
5000 00 
600 00 
1,100 00 
2,750 00 
2,169 80 



Securities held as collateral for cash loans : — 

1 share Amoskeag Manufacturing Company, 
25 shares Concord Manufacturing Company, . 



$192,050 00 $196,146 80 



Market Value. Loaned Thereon. 

$2,220 00 $1,5C0 00 
3,750 00 2,000 00 



$5,970 00 



!,500 00 



150 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



$314,257 12 



Summary of Assets Dec. 31, 1892. 

Cash value of unencumbered real estate, . $25,000 00 

Loans on mortgage of real estate (first liens*), 80,873 00 

Interest tine or accrued thereon, . . . 1,567 75 

Stocks and bonds, as per schedule, . . . 196,116 80 

Loans on collateral security, as per schedule, . 3,500 00 

Cash in the office of the company, . . . 577 36 

Cash deposited in bank, . . . . 16,472 45 

Interest due and accrued, 952 61 

Premiums in course of collection (gross), . 18,430 93 

Rents and re-insurance, 736 22 

Gross assets, 

Liabilities. 
Losses adjusted, unpaid, $7,943 34 

claimed and reported, . . . 6,508 69 

disputed or resisted, .... 1,500 00 

Total amount of losses, $15,952 03 

Less re-insurance, 2,713 11 

Net amount of unpaid losses, .... $13,238 92 

Unearned premiums on outstanding risks, . 69,296 35 

Due for borrowed money, .... 28,000 00 

Commissions and brokerage, •. . . . 4,239 30 

Re-insurance, 6,496 99 

Gross liabilities except capital, . . . 

Surplus as regards policy-holders, $222,9*5 56 

Paid-up capital, . 200,000 00 

Surplus over capital, $22,985 56 

Income. 

Fire premiums outstanding Dec. 31, 1892, . $9,879 25 

Premiums on risks written or renewed, . . 181,804 71 

Total $191,683 96 

Premiums now in course of collection, . . 18,430,93 

Entire premiums collected, .... $173,253 03 
Less re-insurance and return premiums, . . 46,632 25 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, 



121,271 56 



Gross cash income, 



$126,620 78 
5,158 42 
9,619 32 
1,373 10 

$142,771 62 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$86,131 00 

140,350 00 

69,900 00 



1892.] 



INS. COS. OF OTHER STATES. 



151 



EXPENDITD 



dish paid for fire losses, . 
Deduct salvage and re-insurance, 



RES. 



$62,842 51 
21,815 63 



Net cash paid for lire losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes,. 

for incidentals, 



$41,026 88 

10,364 85 

42,216 35 

2,642 96 

2,462 75 

5,509 95 



Gross cash expenditures, $104,223 74 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$5,692,44C 00 
13,066,778 00 



Premiums. 

$72,244 71 
181,804 71 



118,759,218 00 $254,049 42 
5,402,708 00 71,684 72 



13,356,510 00 $182,364 70 
3,631,760 00 51,175 82 



f9,724,750 00 $131,188 88 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year, .... 
Company's stock owned by directors, .... 



$501,585 00 
169,825 00 
73,583 00 
31,615 00 
10,365 00 
59,800 00 



"CITIZENS 1 INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April, 1836. Commenced business April, 1837.] 

Paid-up Capital, $300,000. 

EDWARD A. WALTON", President. FRANK M. PARKER, Secretary. 



Detailed Statement of Stocks and Bonds. 



United States bonds, .... 
National Bank of Commerce stock, . 
National Citizens 1 Bank stock, . 
National Bank of the Republic stock, 
Consolidated Gas Company stock, . 



Par Value. 

$150,000 00 

10,000 00 

30,000 00 

5,000 00 

20,000 00 



Market Value. 

$170,625 00 

19,800 00 

48,000 00 

8,900 00 

25,500 00 



152. FIRE, MARINE, AND FIRE-MARIXE [Dec. 31, 

Par Value. ' Market Value. 

I'n ion Trust Company stock, .... $10,000 00 $76,00:) 00 

Oregon Short Lino & Utah No. R.R. bonds, . 2,000 00 1,500 00 

Lake Shore & Michigan Southern R.Li, bonds, 50,000 00 59,500 00 

New Fork, Chicago & St. Louis R.R. bonds, . 10,000 00 9,775 00 

Cleveland, Cin., Chic. & St. Louis R.R. stock, . 30,000 00 21,200 00 

Union Pacific Railroad stock 20,000 00 7,800 00 

New York Central & Hudson River R.R. stock, 20,000 00 21,900 00 



$357,000 00 $470,500 00 



Securities held as collateral for cash loans : — 



Butchers' and Drovers' National Bank stock, . 
Lake Shore & Michigan Southern] R.R. bonds, 
National Bank of the Republic stock, 
First National Bank of Paterson, 
Pennsylvania Railroad Company stock, . 
Broadway & Seventh Ave. Railroad stock, 
New York Mutual Gas Company stock, . 
St. Louis & Iron Mountain Railroad bonds, 
Missouri Pacific Railroad bonds, 
Missouri Pacific Railroad stock, 
Phenix National Bank stock, . 
Laclede Gas Company stock, . 
Western Union Telegraph Company stock, 



Market Value. 

$1,942 00 

23,600 00 

6,052 00 

6,560 00 

2,750 00 

1,980 00 

852 00 

40,800 00 

71,940 00 

11,300 00" 

18,600 00 

2,250 00 

4,700 00 



Loaned Thereon. 

$900 00 

20,000 00 

10,000 00 

2,000 00 

1,300 00 

525 00 

75,000 00 



30,000 00 
4,000 00 



$193,326 00 $143,725 00 



Summary of Assets Dec. 31, 1892. 



Cash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens*), 

Interest due or accrued thereon, 

Stocks and bonds as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the office of the company, . 

Cash deposited in bank, .... 

Interest due and accrued, .... 

Premiums in course of collection (gross), 

Rents due and accrued, etc., 

Premiums more than 3 months due, $1,682 11 

Gross assets, 

Deduct special deposits in other States, . 



$145,700 00 

41,300 00 

206 50 

470,500 00 

143,725 00 

3,605 44 

103,056 19 

10,206 45 

105,846 06 

2,561 59 



$1,026,707 23 
45,500 00 



Balance, $981,207 23 

* Value of lands mortgaged $45,000 00 

Value of buildingH thereon r>4,<>00 00 

Amount of insurance held as collateral, . . . 36,200 00 



1892.] 



INS. COS. OF OTHER STATES. 



153 



Surplus over capital, 



Liabilities. 

Losses adjusted, unpaid, $27,315 50 

claimed and reported, .... 28,6-18 19 

disputed or resisted, .... 10,285 84 

Total amount of losses, $66,249 53 

Less re-insurance, 5,023 06 

Net amount of unpaid losses, .... $61,226 47 

Unearned premiums on outstanding risks, . 502,899 35 

Dividends to stockholders unpaid, . . . 310 95 

Due and accrued for rent, salaries, etc., . . 1,500 00 

Commissions and brokerage, .... 15,128 75 

Return premiums and re-insurance, . . . 1,299 25 

Gross liabilities, except capital, . . $582,364 77 

Deduct liability on special deposits, . . 13,118 95 

Surplus as regards policy-holders, 

Paid-up capital, 



Income. 

Fire premiums outstanding Dec. 31, 1891, . $99,871 93 
Same not collected, 1,468 29 

Net collected, $98,403 64 

Premiums on risks written or renewed, . . 835,879 52 

Total, $934,283 16 

Premiums now in course of collection, . . 107,528 17 

Entire premiums collected, .... $826,754 99 
Less re-insurance and return premiums, . . 127,821 18 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, 



$569,245 82 

$411,961 41 
300,000 00 

$111,961 41 



$698,933 81 

3,739 09 

24,907 05 

5,428 15 



Gross cash income, $733,008 10 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$499,373 70 
22,388 05 



$476,985 65 
29,827 80 
129,718 83 
44,999 39 
17,441 30 
98,916 39 

$797,889 36 



154 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written (hiring 1892, 



Risks and Premiums. 

Premiums. 

$122,234,078 00 $993,744 91 
. 90,371,260 00 835,879 52 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$212,6C5,938 00 $1,829,624 43 
93,637,843 00 784,925 44 



$118,968,095 00 $1,044,698 99 
6,228,151 00 50,920 88 



$112,739,944 00 $993,778 11 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, . . . . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Company's stock owned by directors, . 



$13,309,548 00 
6,832,384 00 
486,611 00 
1,910,550 00 
30,000 00 
98,400 00 



"CITIZENS 1 INSURANCE COMPANY OF MISSOURI," 

ST. LOUIS, MO. 

[Incorporated Feb. 2, 1837. Commenced business 1837.] 

Paid-up Capital, $200,000. 

J. B. M. KEHLOR, President. JOHN P. HARRISON, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. 

North Missouri Railroad bonds, . . . $100,000 00 
St. Louis United Elevator Company bonds, . 84,000 00 

Venice Elevator Company bonds, 
City of Waco, Texas, bonds, 



City of St. Joseph, Mo., bonds, . 
Advance Elevator Company bonds, 
American Exchange Bank stock, 



32,000 00 
36,000 00 
15,000 00 
10,000 00 
21,000 00 



Market Value. 

$ 108,000 00 

86,520 00 

32,000 00 

37,500 00 

15,000 00 

10,000 00 

39,480 00 



$298,000 00 $328,500 00 



Summary of Assets Dec. 31, 1892. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . 
Premiums in course of collection (gross) 
Gross assets, .... 



$1,000 00 

106,016 67 

2,243 00 

328,500 00 

2,091 08 

32,652 27 

11,410 58 



$483,913 60 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, . 



$179,800 00 
90,000 00 

74,^00 00 



1892.] 



INS. COS. OF OTHER STATES. 



155 



LIABILITIES, 

3es adjusted, unpaid, . 
Losses claimed and reported, . 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



$885 00 

5,865 00 

60,469 00 

3,305 00 



Surplus over capital, . 



$70,524 00 

$413,389 60 
200,000 00 

$213,389 60 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash tire premiums received, 

Marine premiums outstanding Dec. 31, 1891, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest and dividends received from all sources, 



$12,912 00 
87,595 18 



$100,507 
11,237 


18 

89 


$89,269 
993 


29 
26 


$103 00 
4,847 99 


$4,950 99 
172 69 


$4,778 30 
361 07 



$88,276 03 



4,417 23 
24,785 47 



Gross cash income, $117,478 73 



Expenditures. 

Cash paid for fire losses, 

Cash paid for marine and inland losses, . 

Cash dividends paid, ..... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$47,047 35 
617 14 
6,000 00 
15,934 17 
8,000 00 
8,100 00 
3,541 24 



Gross cash expenditures, 



$89,239 90 



156 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total 

Deduct risks expired and terminated, 

Tn force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks written during 1892, . 
Deduct risks expired and terminated, 



18,713,904 00 
7,277,315 00 

$15,991,219 00 
6,610,877 00 

$9,380,312 00 
29,248 00 



Premiums. 

$110,250 00 
87,595 18 

$197,845 18 
80,058 18 

$117,787 00 
456 00 



$9,351,094 00 $117,331 00 



$851,690 00 
851,690 00 



Miscellaneous. 

Losses paid from organization of company, 

Fire losses incurred during the year, 

Marine and inland losses incurred during the year, 

Cash dividends declared from organization of company, 

Dividends declared during the year (3 per cent), . 

Company's stock owned by directors, . 



$4,847 99 
4,847 90 



1,137,193 00 

42,880 00 

617 00 

767,798 00 

6,000 00 

172,000 00 



" COMMERCE INSURANCE COMPANY," ALBANY, N. Y. 

[Incorporated June 1, 1859. Commenced business June 1, 1859.] 

Paid-up Capital, $200,000. 

GARRET A. VAN ALLEN, President. E. DARWIN JENISON, Secretary. 



Detailed Statement of Stocks 



150 shares Nat'l Commerc'l B"k, Albany, N. Y., 

150 ' 

72 ' 

45 ' 

50 ' 

50 ■ 

25 ' 

300 ' 



First Nat'l Bank, Albany, N. Y., . 
Nat'l Exchange B'k, Albany, N. Y., 
Albany City Nat'l Bank, Albany, 
National Bank, Cohoes, N. Y., 
South End Bank, Albany, N. Y., 
Holland Trust Co., New York, 
Rensselaer & Saratoga Railroad, 



United States bond, 



Securities held as collateral for cash loans : — 

33 shares First Nat'l Bank, Albany, N. Y., 
50 " Nat'l Bank, Cohoes, N. Y., 



and Bonds. 

Par Value. 

$15,000 00 
15,000 00 
7,200 00 
4,500 00 
5,000 00 
5,000 00 
2,500 00 
30,000 00 
1,000 00 



Market Value. 

$49,500 00 
24,750 00 
8,280 00 
4,500 00 
7,000 00 
5,000 00 
4,500 00 
52,500 00 
1,130 00 



$85,200 00 $157,160 00 

Market Value. Loaned Thereon. 

$5,445 00 $3,000 00 

7,000 00 1,900 00 



$12,445 00 $4,900 00 



1892.] 



INS. COS. OF OTHER STATES. 



157 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due thereon, .... 
Storks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

Cash deposited in hank 

Interest due and accrued, .... 

Premiums in course of collection (gross), 

Rents due and accrued, .... 

Gross assets, ..... 



31, 1892. 

$75,000 00 

69,300 00 

540 00 

157,160 00 

4,900 00 

1,090 45 

63,936 88 

561 66 

11,461 74 

1,187 44 



$385,138 17 



Liabilities. 

Losses claimed and reported, . 

Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
State and local taxes, .... 
Commissions and brokerage, . 
Return premiums and re-insurance, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$25,970 00 
140 00 



$25,830 00 

103,471 12 

168 02 

1,841 10 

2,014 57 



Surplus over capital, . 



133,324 81 

$251,813 36 
200,000 00 

$51,813 36 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

.Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Gross cash income, .... 



$9,061 82 

182,426 39 

$191,488 21 

11,461 74 

$180,026 47 

24,675 82 



sources, 



$155,350 65 
2,756 58 
9,612 17 
6,411 20 

$174,130 60 



* Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$85,350 00 
79,350 00 
69,300 00 



158 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 
Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net bash paid for fire losses, 

( lash dividends paid, .... 

(ash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, .... 

Gross cash expenditures, . 

Risks and Premiums. 



$83,653 76 
4,267 05 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . . 
Deduct amount re-insured, . 

Net amount in force, . 



.$15,652,275 00 
. 17,709,741 00 



$79,386 71 

12,000 00 

32,432 23 

13,876 85 

7,823 79 

8,784 89 

$154,304 47 



Premiums. 

$158,400 93 
182,426 39 



$33,362,016 00 $340,827 32 
13,530,479 00 132,915 56 



$19,831,537 00 
1,032,747 00 



$207,911 76 
9,109 67 



.$18,798,790 00 $198,802 09 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, .... 



$4,733,104 00 

3,108,142 00 

88,406 00 

804,000 00 

12,000 00 

56,850 00 



"THE COMMONWEALTH INSURANCE COMPANY OF 
NEW YORK," N. Y. 

[Incorporated Aug. 23, 1886. Commenced business Sept. 15, 1886.] 

Paid-up Capital, $500,000. 

M. M. BELDING, President. CHAS. S. BARTOW, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $60,000 00 $60,000 00 

District of Columbia bonds, .... 50,00000 51,25000 

New York City bonds, 125,000 00 127,500 00 

shares United N. J. R.R. Canal Co., . . 3,300 00 7,590 00 

100 " C. C. C. & St. Louis Railroad, . 10,000 00 9,800 00 

400 " N. Y. Central & 11. R. R.R. Co., . 40,000 00 43,675 00 

220 " Western Union Telegraph Co. stock, 22,000 00 21,120 00 

-Metropolitan El. Railroad bonds, . . . 10,000 00 11,850 00 



1802.] INS. COS. OF OTHER STATES. 



159 



Par Value. Market Value. 

50 shares Merchants 1 National Bank, N. Y., . $2,500 00 $3,750 00 

25 " National Bank of Commerce, N. Y., 2,500 00 4,975 00 

26 »■ Bank of America, Now York, . . 2,500 00 5,425 00 
10 " Central National Bank, New York, . 1,000 00 1,390 00 
50 " Bowery Bank of New York, . . 5,000 00 15,600 00 
50 " German American Bank, New York, 3,750 00 4,687 50 
50 " New York Produce Exchange Bank, 5,000 00 6,500 00 



$342,550 00 $374,612 50 

31, 1892. 

$239,000 00 

3,452 36 

374,612 50 

5,070 58 

9,738 81 

8,417 50 

30,641 20 

$671,932 95 



$19,034 14 

6,400 00 

104,829 99 

786 16 

1,200 00 

3,307 58 

1,356 32 



Summary of Assets Dec. 

Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 

Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (gross), 

Gross assets, 

Liabilities. 

Losses claimed and reported, . 

Losses disputed or resisted, 

Unearned premiums on outstanding risks, 

Interest due or accrued on scrip, 

Due and accrued for rent, salaries, etc., . 

Commissions and brokerage, . 

Return premiums, 

Gross liabilities, except capital, . . 136,914 19 

Surplus as regards policy-holders, $535,018 76 

Paid-up capital, 500,000 00 

Surplus over capital, . $35,018 76 

Income. 

Fire premiums outstanding Dec. 31,1891, . $28,199 88 
Premiums on risks written or renewed, . . 248,260 79 

Total, $276,460 67 

Premiums now in course of collection, . . 36,641 20 

Entire premiums collected, .... f 239,819 47 
Less re-insurance and return premiums, . . 41,662 77 

Net cash fire premiums received, . . . $198,156 70 

Interest received on mortgages, 12,605 14 

Interest and dividends received from all other sources, . . 14,999 16 

Gross cash income, $225,761 00 



* Value of lands mortgaged, . . 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$217,500 00 
228,000 00 
253,325 00 



1(30 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for lire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash dividends paid, . 

Cash paid for interest on scrip, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



§159,048 22 
978 98 



$158,069 24 
30,000 00 
118 53 
15,555 73 
26,245 66 
6,782 90 
11,532 77 

$248,304 83 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1891, . . $19,774,441 00 $195,619 39 
Fire risks written during 1892, . . . 26,028,231 00 248,260 79 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$45,802,672 00 $443,880 18 
24,990,047 00 231,439 42 



$20,812,625 00 $212,440 76 
254,250 00 1,956 37 



.$20,558,375 00 $210,484 39 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, ... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, .... 



$1,248,754 00 

768,659 00 

140,901 00 

81,000 00 

30,000 00 

85,500 00 



"THE CONCORDIA FIRE INSURANCE COMPANY OF 
MILWAUKEE,' 1 MILWAUKEE, WIS. 

[Incorporated March 7, 1870. Commenced business March 22, 1870.] 

PAiD-ur Capital, $200,000. 

J.H.INBUSCn, President. GUSTAV WOLLAEGER, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

Chicago, 111., city bonds, $35,000 00 

Cincinnati city bonds, 40,000 00 

Washington County, 111., bonds, . . . 15,000 00 



Market Value. 
$35,800 00 

42,600 00 
15,450 00 



$90,000 00 $93,850 00 



L892.] 



INS. COS. OF OTHER STATES. 



161 



Summary of Assets Dec. 31, 1892. 

Loans on mortgage of real estate (first lions*), $494,180 00 

Interest tine or accrued thereon, . • • 5,247 69 

Stocks and bonds, as per schedule, . . . 98,860 n0 

Cash in the office of the company, . . . 1,533 02 

Cash deposited in bank, 39,476 60 

[nterest dne and accrued, .... 1,188 ■"»! 

Premiums in course of collection (gross), . 69,591 10 

Re-insurance l»603 63 

Gross assets, ...... 



$706,015 88 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, 

disputed or resisted, 

Total amount ot losses, . 
Less re-insurance, 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 
Gross liabilities, except capital, 



Surplus as regards policy-holders, 
Paid-up capital, .... 



Surplus over capital, . 



Income 



Fire premiums outstanding Dec. 31,1891, . $49,209 81 . 
Premiums on risks written or renewed, . . 541,006 68 

Total, $590,216 49 

Premiums now in course of collection, . . 69,591 10 

Entire premiums collected, .... $520,625 39 
Less re-insurance and return premiums, . . 87,107 07 

Net cash fire premiums received, . . . $433,518 32 

Interest received on mortgages, 27,013 78 

Interest and dividends received from all other sources, . . 5,445 50 

Gross cash income, $465,977 60 



$12,084 98 

29,960 05 

2,808 28 

$ 44,853 31 
10,388 97 

.<:•» 1,464 34 

370,378 67 

11 00 

17,397 77 



422,251 78 

$284,363 60 
200,000 00 

$84,363 60 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$703,950 00 
640,850 00 
325,800 00 



162 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, . 

Xrt rash paid for lire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 

Gross cash expenditures, .... 

Risks and Premiums. 



$252,900 90 
25,398 34 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



. $47,857,874 00 
. 45,200,257 00 



$227,502 56 

15,992 00 

99,321 00 

27,419 00 

8,853 95 

86,186 40 

$415,274 97 



Premiums. 

$593,603 87 
541,006 68 



$93,058,131 00 $1,134,610 55 
32,848,150 00 410,136 30 



.$60,209,981 00 
. 3,192,526 00 



$724,474 25 
40,191 91 



. $57,017,455 00 $684,282 34 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, .... 



.3,530,137 00 

1,911,634 00 

244,059 00 

165,667 00 

16,000 00 

149,800 U0 



"CONNECTICUT FIRE INSURANCE COMPANY," HARTFORD, 

CONN. 

[Incorporated .Tune, 1850. Commenced business July, 1850.] 

Paid-up Capital, $1,000,000. 

.1. I). BIIOWNK, President. CIIARLE8 R. BURT, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Viilue. -Market Valuo. 

Dominion of Canada bonds, .... $ 100,000 00 $ 105,000 00 

State of Georgia bonds, 25,000 00 26,625 00 

City of Astoria, Oregon, bonds, . . . 12,000 00 12,840 00 

City of Dallas, Texas, bonds, .... 12,00000 12,36000 

( it\ of Easl Portland, Oregon, bonds, . . 25,000 00 28,500 00 

City of Erie, Pens., bonds 10,000 00 10,200 00 



1892.] 



INS. COS. OF OTHER STATES. 



163 



City of Hartford bonds, .... 
City of Middletown bonds, 

City of Now Britain bonds, 
City of Richmond, Va., bonds, . 
City of Salt Lake, Utah, bonds, 
City of Urbana, Ohio, bonds, . 
Mankato, Minn , city bonds, 
School Di^t., No. 2, Arapahoe Co., Cal , bonds 
School Dist., No. 24, Marion Co., Ore., bonds, 
Toledo, Ohio, city bonds, .... 
Coffey County, Kansas, bonds, . 
Wapello County, Iowa, bonds, . 
Minneapolis (Jas Light Company bonds, . 
Black Rocks & Salisbury Beach St U.K. bonds 
Broadway & Seventh Avenue R.R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago cS: Western Indiana Railroad bonds, 
Cincinnati, Hamilton & Dayton R.R bonds, 
Cincinnati, Dayton & Ironton Railroad bonds 
Cleveland, Cin., Chic. & St. Louis R.R. bonds 
Dayton & Michigan Railroad bonds, 
Detroit, Lansing «fc Northern Railroad bonds, 
Grand Rapids, Detroit & Lansing R.R. bonds, 
Housatonic Railroad bonds, 
Michigan Central Railroad bonds, . 
ManitOU & Pike's Peak Railway bonds, . 
New York & New England Railroad bonds, 
New York, New Ha v. & Hartford R.R. bonds 
Quincy, Alton & St. Louis Railroad bonds, 
West Chicago Street Railroad bonds, 
Helena, Mont, Sewerage bonds, 
Central Safety Deposit Co., Chicago, bonds, 
Cham, of Com. Safety Vault Co., Chic, bonds 
Traders' Safe and Trust Co., Chicago, bonds, 
Northwestern Telegraph Company bonds, 
150 shares Bald Eagle Valley Railroad Co., 
142 " Boston & Albany Railroad Co., 
690 " Chicago, Burl. & Quincy R.R., 
150 " Chicago & Northwestern R.R., 
220 " Chicago, Rock IsPd & Pacific R.R. 
200 " Detroit, Lansing & Northern R.R., 
300 " N. Y. Central & Hudson River R.R. 
300 » N. Y., New Hav. & Hartford R.R., 
300 " Pitts., Fort Wayne & Chicago R.R, 
310 " Imp. & Traders 1 N'l B'k, New York 
100 " JEtna National Bank, Hartford, 
93 " Charter Oak Nat'l Bank, Hartford 
125 " Farm, and Mech. N 1 ! B'k, Hartford 



Par Value. 

f 15,000 00 
20,000 00 
15,000 00 
50,000 00 
10,000 00 
15,000 00 
15,000 00 
25,000 00 

18,000 00 
10,000 00 
10,000 00 

8,000 00 
25,000 00 
10,000 00 
20,000 00 
20,900 00 

15, > 00 

25,(><)i) 00 
15,000 00 
10,000 00 
25,ooo 00 

2,ooo 00 

3,ooo 00 
30,000 00 
20,000 00 
10,000 00 
60,000 00 
40,000 00 
49,000 00 
10,000 00 
17,ooo 00 
25,ooo 00 
10,ooo 00 
10,ooo 00 
10,000 00 

7,500 00 
14,200 00 
69,000 00 
15,000 00 
22,000 00 
20,000 00 
30,000 00 
30,000 00 
30,000 00 
31,000 00 
10,000 00 

9,300 00 
12,500 00 



Market Value. 

$15,000 00 
21,000 00 
15,750 00 
50,000 00 
10,000 00 
15,900 00 
15,000 00 
26,000 00 
14,170 00 
10,500 00 
10,000 00 

8,000 00 
26,250 00 

9,500 00 
21,200 00 
21,245 00 
17,512 50 
25,500 00 
14,400 00 

9,000 00 
26,250 00 

2,000 00 

3,000 00 
30,150 00 
23,800 00 

9,750 00 
62,400 00 
50,000 00 
49,000 00 
10,000 00 
17,595 00 
25,625 00 
10,200 00 
10,000 00 
11,200 00 
15,000 00 
29,536 00 
66,930 00 
16,500 00 
18,480 00 

8,000 00 
32,700 00 
75,000 00 
45,900 00 
170,500 00 
13,500 00 

9,486 00 
13,375 00 



164 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



185 shares First National Hank, Hartford. 

800 " Hartford Xat'l Bank, Hartford, 

100 " Mercantile Xat*l Bank, Hartford, . 

412 " National Exchange B'k, Hartford, . 

L60 u Phoenix National Bank, Hartford, . 

45 M Conn. Trust & Safe Dep. Co., Hart , 

167 " First NM B'k, Minneapolis, Minn., . 

11 " Second N*l B'k, New Haven, Conn., 

()<»<) " Northwestern Telegraph Company, 



Securities held as collateral for cash loans 
Northwestern Telegraph Company, . 

Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, 

Gross assets, . . . 
Deduct special deposits in other States, . 



Par Value. 

^18,50<» 00 

30,00 1 

l(i,(Mio no 

20,600 nil 

15,000 00 

4,o(io on 

16,7(X 

1,100 00 
30,000 00 



Market Value. 

$19,240 00 

15,000 on 

9,000 00 

25,956 00 

18,900 <»<» 

C,7o<> (mi 

25,885 00 

1,848 00 

30,000 00 



Balance, $2,658,399 47 



|l,298,8oo 00 $1,589,908 50 

Market Value. Loaned Thereon. 

f 5,000 00 $4,3<><i on 

31, 1892. 

$107,300 on 

787,400 <"> 

1,589,908 50 

4,800 00 

657 99 

144,853 94 

245,680 35 

10,423 69 

$2,890,524 47 

232,125 00 



Liabilities. 

Losses claimed and reported, . 

Losses disputed or resisted, 

Unearned premiums on outstanding risks, 

Due and accrued for rent, salaries, etc., . 

State and local taxes, .... 

Commissions and brokerage, . 

Re-insurance, 

Grose liabilities, except capital, 
Deduct Liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus o\ er capital, .... 



$181,400 86 

13,450 40 

1,090,932 50 

22,958 35 

5,250 37 

28,457 21 

29,443 62 

$1,371,89:5 31 
7:5,597 00 



1,298,296 31 

$1,360,10:5 16 
l,(ioo,oo0 00 

fS60,108 16 



* Value <>f landt mortgaged, 
Value of bulldlngi thereon, 
,\ mi. nut of Insurance beld ;ih collateral, 



|1,089,926 no 

1,028,000 00 

747,400 00 



1891 



INS. COS. OF OTHER STATES. 



165 



Income. 

Fire premiums outstanding Dee. 81, 1891, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 
Less re-insurance and return premiums, . 
Nel cash fire premiums received, 
Interest received on mortgages, 

Interest and dividends received from all other 
Gross cash income, 



$225,044 80 
1,825,400 11 

$2,050,444 91 
256,104 04 



$1,794,840 87 
307,163 72 



sources, 



- $1,487,177 15 

40,885 00 

77,338 10 

. $1,605,400 25 



Expenditures. 

( lash paid for fire losses, 

( !asfa dividends paid 

Cash paid for commissions and brokerage, 

for salaries of officers ami employee-, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures. .... 



$880,466 09 

80,000 00 

283,817 61 

116,888 98 

31,356 81 

112,518 88 

$1,505,048 37 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1891, . $139,819,794 00 $1,737,147 93 
Fire risks written during 1892, . . 145,859,912 00 1,825,400 11 



Total 

Deduct risks expired and terminated, 

In force at end of year, 



$285,679,706 00 $3,562,548 04 
123,629.796 00 1,507,147 74 



$162,049,910 00 $2,055,400 30 



^Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, .... 



$15,079,420 00 

8,496,234 00 

912,504 00 

1,745,000 00 

80,000 00 

76,800 00 



166 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



••CONTINENTAL INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated November, 1852. Commenced business January, 1853.] 

Paid-up Capital, $1,000,000. 

F. C. MOORE, Pnxident. EDWARD LANNING, Secretary. 

Detailed Statement ok Stocks and Bonds. 

Tar Value. Market Value. 

250 shares American Exchange Natfl Bank, . $25,000 00 $38,750 00 

87 " Bank of America, .... 8,700 00 18,705 00 

50 " Bowery Bank, .... 5,000 00 15,000 00 

1,200 " Mechanics' National Bank, . . 30,000 00 57,000 00 

250 " Mercantile National Bank, . . 25,000 00 55,000 00 

350 " Merchants 1 National Bank, . . 17,500 00 26,250 00 

100 " Nassau Bank, .... 5,000 00 8,500 00 

382 " Phenix National Bank, . . 7,640 00 9,550 00 

200 " Central Trust Co 20,000 00 160,000 00 

1,000 " Chicago, Burl. & Quincy R.R., . 100,000 00 97,000 00 

500 " Chicago, Mil. & St. Paul RVay, . 50,000 00 61,000 00 

500 " Chicago & Northwestern R' way, . 50,000 00 71,000 00 

1,000 " Chic, Rock Island & Pac. RR., . 100,000 00 82,000 00 

1,000 " Chic, St. P., Minn. & Omaha R.R., 100,000 00 117,000 00 

1,000 " Clev , Cin., Chic. & St. Louis R.R., 100,000 00 93,000 00 

500 " Lake Shore & Mich. South'n R.R., 50,000 00 63,500 00 

2,033 " New York & Harlem R.R., . . 101,650 00 264,290 00 

256 " N. Y., N. H. & Hartford R.R., . 25,600 00 64,000 00 

1,000 " Pennsylvania Railroad, . . 50,000 00 54,000 00 

5,000 " Pitts, McKees.&Youghiogheny R.R., 250,000 00 300,000 00 

500 " RomcWatert'n&Ogdensb'gR.R., 50,000 00 55,500 00 

500 " St. Paul & Duluth Railroad, . 50,000 00 53,500 00 

1,000 " St. Paul, Minn, and Manitoba R'y, 100,000 00 112,000 00 

l,2oo » United N.J. R.R. & Canal Co., . 120,000 00 276,000 00 

500 " Consolidated Gas Co. of N. Y., . 50,000 00 62,500 00 

Atlantic & Gulf Railroad bonds, . . . 47,000 00 50,760 00 

Cedar Rapids, la. F'ls & N. W. R.R. bonds, . 50,000 00 50,000 00 

Central R.R. & BVg Co. of Ga. bonds, . . 100,000 00 100,000 00 

Chicago, Milwaukee & St. Paul bonds, . . 50,000 00 56,500 00 

Chicago & Northwestern bonds, . . . 50,000 00 56,500 00 

Chicago, Rock Island & Pacific R.R. bonds, . loo,o< n 100,000 00 

Chic, St. Paul, Minn. & Omaha RVay bonds, . 10O,ooi 120,000 on 

Columbia & Greenville Railroad bonds, . . 50,000 00 50,000 00 

Elmira, Cortland & Northern bonds, . . 50,000 00 50,000 00 

Erie Railway Company bonds, . . . 50,000 00 68,500 00 

Georgia, Carolina & Northern RVay bonds, . 25,oo I 25,000 00 

Grand Rapids, Lansing & Detroit R.R. bonds,. 50,000 00 47,500 00 

Ind., Bloomington & Western R.R. bonds, . 135,ooo no 148,00000 

Kentucky Central Railway bonds, . . . 50,000 00 41,000 00 

Midland R.R. Co, of New Jersey bonds, . . 50,000 00 59,000 00 

Mil., Lakr Shore & Western R.R. bonds, . . 100,000 00 126,000 00 

Morris & Essex Ruilmad bonds, . . . £0,ono 00 67,500 00 



1892.] 



INS. COS. OF OTHER STATES. 



167 



N. Y. Cent. & Hudson River R.R. bonds 
N. Y.. Lackawanna & Western RVay bonds, . 
N. Y.. L. E. & Western Railroad bonds, . 
Raleigh & Augusta Air Line Railroad bonds, . 
Richmond & Danville Railroad bonds, 
St. Paul, Minn. & Manitoba Railroad bonds, . 
Western Union Telegraph Co. bonds, 
Portland. Oregon, water, bonds, 

Richmond, Virginia, bonds 

Alabama bonds, ...... 

Georgia bonds, ....... 

South Carolina bonds, 

United States bonds, ...... 

New York City bonds, 



Par Value. 

$50,000 00 
.50,000 00 
50,000 00 
50,000 00 
50,000 00 

100,000 00 

100,00(1 00 

50,(X 

50,000 00 
10,000 00 

25,00 1 

12,000 00 

498,000 oo 
5,000 mi 



Market Value 

$53,500 00 
63,500 00 
56,000 00 
55,000 00 
51,500 00 

118,ooo 00 

103,000 00 
55,000 00 
50,000 00 
10,000 00 
27,500 00 
11,400 00 

574,530 00 
5,000 00 



Securities held as collateral for cash loans :- 

30 shares N. Y & Harlem Railroad, 
10 " 42<1 St. & Grand St. Ferry R.R., 
1<» " Delaware & Hudson Canal Co., 
10 " Bank of New York, 

100 " Central Railroad of New Jersey. 

Bur., Cedar Rapids & Northern R.R. bonds, 



$3,698,000 00 $4,665,735 00 



Market Value. Loaned Thereon. 

$3,900 00 ) 
3,000 00 } 
1,300 00 | 

2,800 00 J 

12,500 00 
48,00o 00 



',000 00 



50,000 00 



$71,000 00 $57,000 00 



Summary op Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liensf) 
Interest due or accrued thereon. 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, 
Rents due and accrued, .... 
Premiums more than 3 months due, $120,741.05 

Gross assets4 

Deduct special deposits in other States, . 



Balance $6,247,680 73 



31, 1892.* 

$189,360 00 

138,935 00 

2,485 68 

4,665,735 00 

57,000 00 

12,418 27 

570,062 21 

73,901 93 

382,560 37 

283,796 54 

3,925 73 



1,380,180 73 
132,500 00 



* The company holds, also, instalment premium notes to the amount of $1,223,280 82 which 
do not enter into nor form any part of the assets of the company, as no portion of them is earned. 
"Whatever value is attached to them would necessarily be counterbalanced by the addition of an 
exactly equal amount to the re-insurance liability, the entire sum consisting of " unearned pre- 
miums." 

t Value of lands mortgaged $183,450 00 

Value of buildings thereon, 201,450 00 

Amount of insurance held as collateral, . . 169,875 00 
X Including $600,000 special reserve fund, held under New York law, 



168 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

LlABIUTIl 



Losses claimed and reported, . 
is disputed or resisted, 

Total amounl of losses, 

Less re-insurance, .... 

Nef amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 
Contingent reserve, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1891, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total,. . . . . 
Premiums now in course of collection, . 

Entile premiums collected, 
Less re-insurance and return premiums, . 
Net cash fire premiums received, 
Interest received on mortgages, 

Interest and dividends received from all other 
Income from rents, 

Gross cash income, .... 

Expenditures. 

( 'ash paid lor lire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid f'<>r fire losses, . 

Net cash paid for marine and inland losses, 

( 'ash dividends paid, .... 

Cash paid for redemption of scrip, . 

Interest paid scrip-holders, 



|343,625 00 

42,154 00 

1385,779 no 

L5.082 00 

$370,697 00 

S-,008,612 oo 

30,070 oo 

6,152 22 

931 oo 

77,853 55 

loo,oi K) oo 



$3,594,315 77 
66,280 07 



sources, . 



,519,158 88 

57,;; 11 84 



1,528,035 70 



. $ 2,719,615 03 
. 1,000,000 00 



* 1,7 19,645 03 



$478,092 79 
12,785 04 



$465,307 75 
3,239,539 83 



83,704^47 58 

666,356 91 

$3,038,490 67 

326,385 30 



- $2,712,105 37 

8,210 23 

168,212 90 

47,174 51 

. $ 2,935,703 ol 



,461,817 49 
69,424 64 

139.720 00 

L'7I no 

36 o(i 



1892.] 



INS. COS. OF OTHER STATES. 



169 



Cash paid for Commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes,. 
for rents and incidentals, . 

Gross cash expenditures, .... 

Risks \m> Premiums. 



$603,718 65 

214,119 02 

60,060 85 

215,102 18 



Fire risks outstanding Dec. 81, 1891, 
Fire risks written during 1892, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$542,682,391 00 
.881,271,923 00 



$2,794,362 89 

Premiums. 

$5,068,467 10 
3,239,589 S3 



1928,954,31 t 00 
.352,955,236 00 



$8,308,006 93 
2,716,307 96 



$570,999,078 00 
8,168,145 00 



55,591,698 97 
80,617 37 



$562,835,933 00 $5,511,081 60 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, 
Cash dividends declared from organization of company 
Dividends declared during the year (14 per cent.), 
Company's stock owned by directors, 



$52,259,968 00 

29,158,169 00 

1,558,228 00 

5,030,247 00 

140,000 00 

186,100 00 



"THE DELAWARE INSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated April 10, 1835. Commenced business Aug. 6, 1835.] 
Paid-up Capital, $702,875. 
TATTNALL PAULDING, President. HENRY LYLBURN, Secretary. 

Detailed Statement of Stocks and Bonds. 

Tar Value. Market Value. 

Philadelphia city bonds $85,000 00 $105,778 75 

Lehigh Valley Railroad bonds, . . . 125,000 00 128,000 00 

St. Louis city bonds, 100,000 00 106,000 00 

American Steamship Company bonds, . . 40,000 00 41,400 00 

Newark, N. J., city bonds 75,000 00 75,000 00 

Camden, N. J., city bonds 30,000 00 30,300 00 

Springfield, 111., city bonds, .... 25,000 00 26,125 00 

Philadelphia & Reading Railroad bonds, . 100,000 00 104,000 00 

Allentown Terminal Railroad bonds, . . 50,000 00 50,000 00 

Pennsylvania & New York Canal Co. bonds, . 50,000 00 50,000 00 

Philadelphia, Wil. & Bait. R.R. certificates, . 30,000 00 30,600 00 



170 FIRE, MARINE, AND FIRE-MARINE [Dec 31, 



Tennessee State bonds, .... 
Philadelphia & Reading Railroad car trust, 
Pennsylvania Railroad bonds, . 
Pitts., SToungstowD A: Ashtabula U.K. bonds. 
Baltimore Belt Railroad bonds, 
Northern Pacific Railroad bonds, 
Atlantic Mutual Insurance Company scrip, 
Delano Land Company bonds, . 
Philadelphia Bourse. .... 
Mortgage Trust Company, Pennsylvania, 
Georgia State bonds, .... 

Richmond (Va.) city bonds, 
Wilmington & Northern Railroad bonds, 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest accrued thereon, .... 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, .... 

Re-insurance, 

Gross assets, 

Deduct special deposits in other States, . 



I'ar Value. 

$31,300 00 
40,000 00 
25,000 00 
40,000 00 
40,000 00 

5,000 00 

140 00 

30,000 00 

1,000 00 
15,000 00 
25,000 00 
36,000 00 
25,000 00 



Market Value. 

$23,788 00 
40,000 00 
27,187 50 
42,200 00 
41,600 00 

5,125 00 

147 00 

30,750 00 

1,000 00 
15,000 00 
25,000 00 
36,000 00 
26,750 00 



$1,023,440 00 $1,061,751 25 

31, 1892. 

$160,000 00 

154,200 00 

1,720 60 

1,061,751 25 

3,508 14 

76,382 38 

177,495 73 

16,357 35 

1,513 83 

11,256 39 

$ 1,664,185 67 

61,000 00 



Balance, $1,603,185 67 



Liabilities. 

Losses adjusted, unpaid, $22,777 83 

claimed and reported, .... 124,585 00 

disputed or resisted, .... 3,925 00 

Unearned premiums on outstanding risks, . 418,165 55 

Reclaimable on perpetual fire policies, . . 73,502 39 

Unpaid scrip ordered to be redeemed, . . 3,455 00 

Interest due or accrued on scrip, . . . 3,761 10 

Dividends to stockholders unpaid, . . . 168 75 

Commissions and brokerage, .... 28,781 75 

Gross liabilities, except capital, . . $679,122 37 



♦Value of land* mortgaged, 
Value of building! thereon, 

Amount of iiiMiiaiicc held an collateral, 



$209,000 00 
163,000 00 
120,500 00 



1892.] 



INS. COS. OF OTHKR STATEb. 



Deduct liability Oil special deposits, 
Surplus as regards policy-holders, . 

Paid-ftp capital, 

Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1891, 

Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mort^a^es, 

Interest and dividends received from all other 

Income from rents, 

Deposits received for perpetual fire risks,. 

Gross cash income, .... 



$30,088 23 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, .... 

Cash paid for redemption of scrip, . 

Interest paid scrip-holders, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 
Deposits returned on perpetual fire risks, 
Gross cash expenditures, . 



$75,646 44 
891,379 73 

$967,026 17 
134,624 73 

$832,401 44 
270,563 56 

$57,246 00 
225 00 

$57,021 00 
360,569 38 

$417,590 38 
59,319 35 

$358,271 03 
43,188 42 



sources, . 

. $4,346 16 



$317,885 42 
47,608 59 



$279,834 84 
41,490 23 



171 

$649,034 14 

$954,151 53 
702,875 00 

$251,276 53 



$561,837 88 



315,082 61 

6,403 67 

53,811 63 

4,827 38 



$941,963 17 



— $270,276 83 



$5,508 33 



238,344 61 

64,826 50 

655 00 

163 50 

140,124 21 

75,433 03 

22,557 79 

86,295 43 

$898,676 90 



172 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding \h>c. 81, L891, 
Fire risks written during L892, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Not amount in force, . 
Perpetual risks in force, not included above, 

Marine risks outstanding Dec. 31, 1891, . 
Marine risks written during 1892, . 

Total, 

Deduct risks expired and terminated, 

In force at end of vear, .... 



. $36,073,387 00 
. 57,283,267 00 

.$93,356,654 00 
. 31,735,254 00 

. $ 61, 62 1,400 00 
. 5,021,288 00 

.856,600,112 00 
. 3,059,156 00 

. $4,920,043 00 
. 54,923,819 00 

. $59,843,862 00 
. 51,310,797 00 



Premiums. 

|4ll,167 39 

891,379 73 

1,302,547 12 

527,871 48 

$774,675 64 

66,660 44 

$708,015 20 

77,370 93 

$72,977 73 

360,569 38 

$433,547 11 

377,709 54 



$8,533,065 00 $55,837 57 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (9 per cent.), . 
Company's stock owned by directors, .... 



$28,012,116 00 

16,540,146 00 

312,507 00 

252,146 00 

2,430,671 00 

63,258 00 

47,400 00 



"THE DETROIT FIRE AND MARINE INSURANCE COMPANY," 

DETROIT, MICH. 

[Incorporated Feb. 1, 1866. Commenced business March 14, 1866.] 
Paid-up Capital, $400,000. 
WM. A. MOORE, President. C. L. ANDREWS, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

Au Sable, Mich., village bonds, . . . $7,000 00 

Constantino, Mich., village bonds, . . . 1,500 00 

Dciroii sewer bonds. 500 00 



Securities held as collateral for c.-isli loans : — 
100 shares Peninsular Savings Bank, 



$!),i mo 00 



Market Value. 

$7,ono 00 

1,500 00 

50<> 00 

$9,m<> 00 



Market Value. Loaned 'I hereon. 

$11,000 00 $10,000 00 



1892.] 



INS. COS. OF OTHER STATES. 



173 



Summary of Assets Dec. 31, 1892. 



Cash value of unencumbered real estate, 
Loans on mortgage <>i' real estate ( first liens*), 
Interest due and accrued thereon, . 
Stocks and bonds, as per schedule, . 

Loans od collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Re-insurance, etc., ..... 
Premiums more than 3 months due, |3,796 11 
Gross assets 

Liabilities. 

Losses adjusted, unpaid 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Return premiums, ..... 
Gross liabilities, except eapital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, 

Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash tire premiums received, 

Marine premiums outstanding Dec. 31, 1891, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 



$70,017 03 
946,830 56 

21,874 74 
9,000 00 

10,( 00 

1,211 78 

38,961 .".1 

720 37 

32,842 08 

4,498 57 

4,82/) 96 



$1,140,777 63 



$596 32 

26,«><>1 00 

294 00 

156,749 70 

4,675 "1 

2,200 97 



$29,096 78 
265,283 91 

$294,380 69 
36,482 08 

$257,898 61 
43,711 05 

$2,745 10 
58,176 83 

$60,921 93 
4,649 68 

$56,272 25 
15,374 64 



190,517 03 

$950,260 60 
400,000 00 



$550,260 60 



$214,187 5G 



40,897 61 



* Value of lands mortgaged, . 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$1,445,456 00 

1,067,852 00 

638,032 00 



174 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, etc., 



Gross cash income, 



$58,421 68 
6,369 35 
1,615 06 



$321,491 26 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



1110,040 49 
7,149 70 

$ 3 1,406 25 
9,065 23 



$102,890 79 



22,341 02 
40,000 00 
35,781 65 
2<),581 66 
15,540 05 
16,437 85 

$253,573 02 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total • . . 

Deduct risks expired and terminated, 

In force at end of year, . 

Marine risks written during 1892, . 
Deduct risks expired and terminated, 

In force at end of year, 



$22,945,428 00 
23,877,776 00 



$46,823,204 00 
21,047,259 00 



Premiums. 

$266,551 77 
265,283 91 

$531,835 68 
231,427 69 



$25,775,945 00 $300,407 99 



13,211,490 00 

3,108,204 on 



$58,176 83 
53,239 54 



$103,286 00 $4,937 29 



Miscellaneous. 

Premiums reeeived from organization of company, . . 

Losses paid from organization of company, . 

Fire losses incurred during tin; year, . 

Marine and inland losses incurred during the year. 

Cash dividends declared from organization of company, 

Dividends declared during the year (10 per cent.), 

Company's stock owned by directors, . 



$5,379,119 00 

2,747,760 00 
112,212 00 

27,857 00 
651,000 oo 

40,oo0 00 
100,800 oo 



1892.] 



INS. COS. OF OTHER STATES. 



175 



••EQUITABLE FIRE AND MARINE INSURANCE COMPANY," 

PROVIDENCE, R. I. 

[Incorporated May, 1859. Commenced business September, I860.] 

Paid-up Capital, $300,000. 

FRED. W. ARNOLD, President. JAMES E. TILLINGHAST, Secretary. 



Detailed Statement of Stocks 



840 " Nat'l Bank of Commerce, Prov., 

200 " American National Bank, Prov., 
1<»<) " Fourth National Hank, Providence 
100 " First National Bank, Warren, 
30 " Third National Bank, Providence, 
200 " N. Y. Central & Hud River R.R. , 
200 " Illinois Central Railroad, 
100 " Chic., Rock I. & Pacific Railroad, 
100 " Chic, Burl. & Quincy Railroad, 
100 " Michigan Central Railroad, . 
50 " Rhode Island & Mass. Railroad, 
50 " Wells, Fargo & Company Express 
Union Pacific Railroad bonds, . 
New York Elevated Railroad bonds, 
Pawtuxet Valley Railroad bonds, 
Quincy, Alton & St. Louis Railroad bonds, 
Milwaukee City Railroad bonds, 
National Water Works bonds, . 
Chicago, Burlington & Quincy Railroad bonds, 



Securities held as collateral for cash loans : — 
20 shares Mechanics 1 Nat'l Bank, Providence, 



and Bonds. 

Par Value. 

$50,000 00 
17,000 oi) 
10,000 00 
10,000 00 
10,000 oo 
8,000 00 
20,000 00 
20,000 00 
10,000 00 
10,000 00 
10,000 00 
5,000 00 
5,000 00 
25,000 00 
28,000 00 
22,000 no 

10,001) no 

5,00 ' 

10,000 00 
2,000 00 



Market Value. 

$58,000 00 

19,380 00 

9,200 00 

12,600 00 

9,ooo oo 

2,76<» oo 

21,825 00 

19,900 00 

8,400 00 

9,750 00 

10,600 00 

5,000 00 

7,350 00 

27,250 00 

30,660 00 

26,400 00 

10,400 00 

5,000 00 

10,000 00 

2,065 00 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule. 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Premiums more than 3 months due, $500 71 
Gross assets,f 



$282,000 00 $ 305,540 00 

Market Value. Loaned Thereon. 

$1,130 00 $900 00 



31, 1892. 

f 129,900 00 

99,300 00 

606 00 

305,540 00 

900 00 

604 44 

14,015 70 

35,639 30 

1,097 00 



$587,602 44 



* Value of lands mortgaged, $117,050 00 

Value of buildings thereon, 156,100 00 

Amount of insurance held as collateral, .... 99,540 00 

t Including $35,000 special reserve fund held under Rhode Island law. 



176 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Liabilities. 



jea adjusted, unpaid, . 
claimed and reported, . 
disputed or resisted, 

Total amount of Losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid, . 

Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, . 
Return premiums and re-insurance, 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 

Surplus over capital, . 



$12,829 00 

32.7:; 1 00 

2,763 00 

-.323 (»(» 

5,000 00 

$43,323 00 

li» 1,124 05 

501 00 

500 00 

1,052 73 

2,829 47 

1,327 G8 



f243,657 93 

$343,944 51 
300,000 00 

$43,944 51 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1891, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

[nteresl received on mortgages, 

[nteresl and dividends received from all other 

Income from rents, ..... 

Gross cash income, .... 



$34,160 75 
339,558 90 



$373,719 
35,844 


65 
24 


$337,875 
51,465 


41 
91 


$228 35 
2,719 49 


$2,947 84 
295 84 


$2,652 
5 


00 
00 



sources, 



$286,409 50 



2,647 00 

5,899 79 

16,107 79 

7,496 16 

$818,560 24 



1892.] 



IXS. COS. OF OTHER STATES. 



177 



Expenditures. 

Cash paid for fire losses, . 
Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 
Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 

for incidentals 

for real estate expenses, . 

Gross cash expenditures, .... 



$207,093 18 
4,001 55 

$596 50 
82 65 



$203,091 63 



513 85 
8,689 00 
57,196 64 
22,955 36 
10,805 69 
20,132 65 
3,345 36 

$326,730 18 



Risks and Premiums. 



Fire risks outstanding Dec. 81, 1891, 

Fire risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1891, 
Marine risks written during 1892, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, 



.$33,916,913 00 

. 29,240,096 00 


Premiums. 

$382,071 84 
339,558 90 


.$63,157,009 00 

. 29,752,926 00 


$721,630 74 
334,072 23 


. $33,404,083 00 
953,130 00 


$387,558 51 
9,713 58 


.$32,450,953 00 

$37,969 00 
423,126 00 


$377,844 93 

$655 18 
2,719 49 


. $461,095 00 
422,834 00 


$3,374 67 
2,710 49 



38,261 00 



$664 18 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (3 per cent.), . 
Company's stock owned by directors, .... 



$4 506,540 00 

2,985,563 00 

201,786 00 

1,514 00 

515,000 00 

9,000 00 

62.950 00 



178 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



"THE FARMERS' FIRE INSURANCE COMPANY," YORK, PA. 

[Incorporated April 6, 1S">3. Commenced business Mny 16, 1853.] 

[A Mutual Company] 

G. EDWARD IIERSII, President, ' DAVID BTRICKLER, Secretary. 



Detailed Statement of Stocks 



York. Pa., city bonds, .... 
Northern Central Railroad bonds, . 
Pennsylvania Railroad bonds, . 
Philadelphia & Erie Railroad bonds, 
Shamokin, Sun bury & Lewisburg R.R bonds, 

United States bonds 

Philadelphia & Reading Railroad bonds,. 
Lehigh Valley Railroad bonds, 
Central Market House Co. bonds, York, Pa., 
York County, Pa., bonds, .... 

12 shares Farmers' National Bank, York, 

50 ' 

20 ' 
600 

731 ' 
200 ' 



Y T ork County Nat'l Bank, Y r ork, 
First National Bank, York, 
Y'ork National Bank, Y'ork, 
York Water Company, York, 
Pennsylvania Railroad, . 



Potomac Valley Railroad bonds, 



Securities held as collateral for cash loans: — 
Mortgage assigned, 



and Bonds 

Par Value. 

$9,o<>n 00 
25,000 00 
20,000 00 
15,000 00 
10,000 00 
35,000 00 
20,000 0Q 
25,000 00 
10,000 00 
15,000 00 
1,200 00 
1,000 00 
2,000 00 
15,000 00 
18,275 00 
10,000 00 
10,000 00 



Market Value. 

$9,000 00 

27,680 00 

25,800 00 

17,100 00 

10,350 00 

39,550 00 

17,200 00 

25,625 00 

10,000 00 

] 5,000 00 

2,132 00 

2,200 00 

4,000 00 

21,600 00 

65,059 00 

10,900 00 

9,225 00 



$241,475 00 $312,421 00 



Market Value. Loaned Thereon. 

$2,000 00 $1,000 00 



Summary oe Assets Dec. 31, 1892. 

'Cash value of unencumbered real estate, . . $36,500 00 

Loans on mortgage of real estate (first liens*), 203,499 88 

Interest due and accrued thereon, . . . 3,700 62 

Stocks and bonds, as per schedule, . . . 312,421 00 

Loans on collateral security, as per schedule, . I,oo0 00 

Cash deposited in bank, 43,930 79 

Interest due and accrued, 1 51 

(Premiums in course of collection (gross), . 33,159 02 

(Rents due and accrued 132 50 

Premiums more than 3 months due, $1,140 45 

Gross assets, 



$634,345 32 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$285,275 00 

271,425 00 

52,650 00 



1892.] 



INS. COS. OF OTHER STATES. 



179 



Liabilities 

Losses adjusted, unpaid, $11,450 00 

claimed and reported, .... 21,828 00 

disputed or resisted, .... 8,00000 

Unearned premiums on outstanding risks, . 334,020 18 

Reclaimable on perpetual fire policies, . . 4,338 81 

State and local taxes, 8,500 00 

Commissions and brokerage, . . . . 7,062 26 

Miscellaneous, 209 33 

Gross liabilities, 

Surplus, 

Income. 
Fire premiums outstanding Dec. 31, 1891, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Income from additional premiums, . 

Gross cash income, .... 

Expenditures. 

Cash paid for fire losses, $237,130 46 

Deduct salvage and re-insurance, . . . 366 48 

Net cash paid for fire losses, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, . 

Risks and Premiums. 



$33,756 93 
6,899 91 

$26,8.57 02 
432,688 75 

$459,545 77 
34,299 47 

£425,246 30 
45,807 52 



sources, 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total, ...... 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 



$50,667,544 00 
35,062,687 00 

$85,730,231 00 
32,173,090 00 

$53,557,141 00 
323,424 00 



$385,403 58 



. $248,941 74 



$379,438 78 

8,401 99 

14,502 27 

310 00 

2,035 16 

$404,688 20 



$236,763 98 

79,609 27 

25,387 45 

8,109 05 

21,335 90 

$371,205 65 

Premiums. 

$615,921 76 
432,688 75 



,018,610 51 
397,373 41 



$651,237 10 
3,353 95 



Net amount in force .$53,233,717 00 $647,883 15 

Perpetual risks in force (not included above), . 155,275 00 4,567 17 



180 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company, 

- paid from organization of company, 
Fire losses incurred during the year, 



?7,281,800 00 

4,596,741 00 

236,253 00 



•FARRAGUT FIRF INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated Jan. 29, 1872. Commenced business Jan. 30, 1872.] 

Paid-up Capital, $200,000. 

JOHN E. LEFFINGYVELL, President. SAMUEL DARBEE, Secretary. 



Detailed Statement of Stocks 



United States bonds, 

]>i-trict of Columbia bonds, 

New York, Ontario & Western R.R. bonds, 

Fourth National Bank stock, . 

New York Produce Exchange Bank stock, 

Clinton Bank stock, 

Long Island Loan and Trust Company, . 
People's Gas Light Company, . 



Securities held as collateral for cash loans : — 

Clinton Bank stock, 

Cleveland, Cin., Chic. & St. Louis R.R. stock, . 
Lake Shore & Mich. Southern R R stock, 
Globe Stationery and Printing Co. stock, 
Canada Southern R.R. Company stock, . 
The Cooke & Cobb Company stock, 
Hide and Leather National Bank stock, . 
Wilcox & Gibbs Sewing Machine Co. stock, . 



and Bonds. 

Par Value. 

$20,000 00 

80,000 00 

20,000 00 

10,000 00 

9,700 00 

6,000 00 

25,000 00 

5,000 00 



Market Value. 

$22,700 00 

91,200 00 

21,300 00 

20,100 00 

12,804 00 

6,900 00 

61,250 00 

5,250 00 



$175,700 00 


£ 24 1,504 00 


Market Value. 


Loaned Thereon. 


$11,500 00 


$9,000 00 


460 00 > 


I 


637 50 j 


> 1,600 00 


1,500 00 > 


1 


2,240 00 


1,800 00 


3,000 00 > 




550 00 


1,500 00 


625 00 ) 





$2i»,512 50 $13,900 00 



Summary of Assets Dec. 31, 1892. 

Cash value of unencumbered real estate, . $ 6,000 00 

Loans on mortgage of real estate (first liens*), 20,500 00 

Interesl accrued thereon, 300 00 

Stocks and bonds, as per schedule, . . . 241,504 00 

Loans on collateral security, as per schedule, 13,900 00 

i in the oflice of the company, . . . 1,179 56 



* Value of land* mortgaged, 
Value of building! thereon, 

Amount of insurance held as collateral, 



|28,500 00 

12,000 00 
11,300 00 



L892.] 



INS. COS. OF OTIIKR STATES. 



181 



Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (gross), 
Office furniture and fixtures, . . $3,500 00 
Premiums more than 3 months due, 2,124 41 
Gross assets, ...... 



^21,140 89 

69 25 

29,308 16 



$333,961 86 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc , 
State and local taxes, 
Commissions and brokerage, . 

Re-insurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders. 
Paid-up capital, .... 



$988 27 

10,132 07 

1,309 35 

|12,429 69 

3,473 45 

$8,956 24 

81,663 20 

375 00 

600 00 

2,918 34 

1,289 34 



95,802 12 



$238,159 74 
200T000 00 



Surplus over capital, $38,159 74 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Same not collected, .... 

Xet collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Eutire premiums collected, 

Less re-insurance and return premiums, . 

Xet cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Gross cash income, .... 



$26,339 49 
1,034 65 

$25,304 84 
196,549 60 

$221,854 44 
31,492 57 

$190,361 87 
80,464 75 



sources, 



$109,897 12 

1,200 00 

11,095 55 

480 00 

$122,672 67 



182 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for lire losses, 

Deduct Balvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and loeal taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



19,876 97 
13,453 15 



8106,423 82 
20,000 00 

8,435 86 
22,696 86 

4,302 41 
19,507 96 

$181,366 91 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 



Risks and Premiums. 

Premiums. 

. $28,851,592 00 $248,749 60 
. 18,977,127 00 196,549 60 



Total, 

Deduct risks expired and terminated, 

Tn force at end of year, . 
Deduct amount re-insured, 

Net amount in force,. 



.$47,828,719 00 $445,299 20 
. 20,870,406 00 194,816 01 



. $26,958,313 00 $250,483 19 
. 12,045,879 00 88,797 52 



.$14,912,434 00 $161,685 67 



Miscellaneous. 

Premiums received from organization of company, . . $3,133,633 00 

Losses paid from organization of "company, .... 1,513,827 00 

Fire losses incurred during the year, 105,377 00 

Cash dividends declared from organization of company, . 474,000 00 

Dividends declared during the year (10 percent.), . . 20,000 00 

Company's stock owned by directors, 64,750 00 



"FIRE ASSOCIATION OF PHILADELPHIA," PHILADELPHIA, PA. 

[Incorporated March 27, 1820. Commenced business Sept. 1, 1817.] 

Paid-up Capital, $500,000. 

E. C. 1RVIN, President. BENJ. T. HERKNESS, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

$422,900 00 $525,447 50 

1,500 00 1,830 00 

3,000 00 3,000 00 

25,000 00 28,750 00 

2,000 00 2,150 00 

125,000 00 157,500 00 



( 'ity of Philadelphia bonds, 
( ity of i lamden bonds, 

( ity of Clay < Cut re bonds, 

( 'ity of Richmond certificates, 
City of Mil vi lie bonds, 
( ity of ( lincinnati bonds, . 



1892.] 



INS. COS. OF OTHER STATES. 



183 



City of Altoona bonds 

State of Georgia bonds, .... 
Northern Central Railway bonds, . 
Catawissa Railroad bonds, 
Lehigh Valley Railroad bonds, 
Shamokin Valley & Pottsville Railroad bonds 
Philadelphia & Erie Railroad bonds, 
Belt Railroad & Stockyard bonds, . 
Louisville & Nashville Railroad bonds, . 
Texas & Pacific Railroad bonds, 
Camden & Atlantic Railroad bonds, . 
Pennsylvania Railroad bonds, . 
Cincinnati. Hamilton & Dayton R R. bonds, 
Cincinnati. Dayton & [ronton Railroad bonds 
Chicago, Rock Island & Pacific \\M. bonds, 
Northern Pacific Railroad bonds, 
Philadelphia & Reading Railroad bonds, . 
Ohio River Railroad bonds, 
Philadelphia City Pass. Railway bouds, . 
Pennsylvania Company bonds, 
Central Car Trust Company bonds, 
Port of Portland bonds, .... 
Baltimore & Ohio Equipment Assoc n bonds, 
Pennsylvania & New York Canal bond-, 
Lehigh Coal & Navigation Company bonds, 
Chamber of Commerce Association bonds, 
Masonic Temple loan, .... 
Peoria Mercantile Library Association bonds, 
Underwriters' Protective Assocn of Newark 

N. J., bonds, 

2,230 shares Pennsylvania Railroad stock, 

331 " Phila.,Germant"n&Norrist/nR.R. 
70 " Chestnut Hill Railroad stock, 
20 " Philadelphia Bourse, . 

261 " Fire Assoc'n of Phila., $88,740 00 



Tar Value. 

£53,500 00 
25,000 00 

168,000 00 
10,000 00 

132,000 00 
20,000 00 

100,000 00 
50,000 00 
85,000 00 
13,000 00 
30,000 00 

108,000 00 
20,<i00 00 
25,000 00 
25,000 00 
41,000 00 
10,000 00 
25,000 00 
50,000 00 
14,000 00 
40,000 00 
27,000 00 
25,000 00 
8,000 00 

100,000 00 
10,000 00 

20,000 00 
13,000 00 

1,000 00 

1 1 1 .500 00 

lfi t 550 00 

3,500 00 

1,000 00 



Market Value. 

$53,500 00 
28,000 00 

191,520 00 
11,800 00 

170,540 00 
23,800 00 

114,500 00 
56,000 00 
98,600 00 
13,650 00 
31,500 00 

135,400 00 
20,200 00 
21,250 00 
25,000 00 
45,980 00 
8,600 00 
25,000 00 
53,000 00 
14,840 00 
40,000 00 
29,025 00 
25,000 00 
8,640 00 

130,000 00 
10,000 00 
20,000 00 
13,000 00 

1,000 00 

120,977 50 

43,195 50 

9,135 00 

1,000 00 



$1,960,450 00 $2,315,330 50 



Securities held as collateral for cash lo ins : — 

Pennsylvania Railroad bonds, .... 
North Pennsylvania Railroad 7 percent, bonds, 

37 shares United N. Jersey R.R, & Canal Co., 
176 shares Pennsylvania Railroad stock, . 
Northern Pacific Railroad bonds, 
444 shares Merchants 1 National Bank, 
100 shares Diamond State Iron Company, 
Ohio River Railroad bonds, 
Fort Worth & Rio Grande Railroad bonds, 

54 shares Newark Pass. Railway stock. . 
100 shares Lehigh Coal & Navigation Co. stock, 



Market Value 

$2,6o0 001 
5,310 00 
8,510 00 
9,548 00 r» 
3,090 00 I 

40,060 00 I 

10,000 00 J 
8,800 00 ^ 

10,500 00 I 
1,620 00 f 
5,287 50 j 



Loaned Thereon. 



$60,000 00 



20,000 00 



184 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



21 r. shares Com 1 wealth Title Ins. & Tiust Co., 
Ohio River Railroad bonds, 
Fort Worth vV Rio Grande Railroad bonds, 
200 shares Lehigh ( loal & Navigation Co. stock 

100 " Newark Passenger Railway stock, 
200 " Peopled Passenger Railway stock, 
100 M Newark Passenger Railway stock, 
4on « Northern Pacific Railroad stock, 
4<> " Philadelphia & Erie Railroad stock 
Philadelphia & Reading Railroad bonds, . 
Ohio River Railroad bonds, 
Fort Worth & Rio Grande Railroad bonds, 
100 shares Phi la. & Reading- Railroad stock, 
200 " Lehigh Coal & Nav. Co. stock, 
150 " Newark Passenger Railway stock, 
1,000 " Philadelphia & Reading R.R. stock, 

Loaned on company's own stock, . $ 400 00 

Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 

Re-insurance, 

Gross assets, 

Deduct special deposits in other States, . 



Balance, $5,028,348 01 



} 25,000 00 

i 

i 

j 

I 10,000 00 



Market Value. Loaned Thereon. 

810,080 00 8 12,000 00 

10,000 00 ^ 

7,000 00 ! 

10,575 00 j 

3,000 00 j 

11,400 00 

8,000 00 

12,025 00) 

1,290 00 > 25,000 00 

17,440 00' 

9,520 00^) 

4,2o0 00 | 

2,625 00 j> 25,000 00 

10,575 00 1 

4,500 00 J 

26,250 00 20,000 00 



$259,005 50 $197,000 00 

31, 1892. 

$152,800 00 

1,837,658 85 

35,277 36 

2,315,330 50 

197,000 00 

10,842 22 

200.286 84 

29,170 19 

357,599 07 

185 00 

972 98 

$5,137,123 01 

108,775 00 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, ..... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 



$140,544 56 

137,372 00 

43,963 91 



8321,880 47 
18,434 66 

$303,445 81 
1,531,752 09 
1,893,370 92 



* Value of land* mortgaged, 
Value of bnlldlnga thereon, 
Amount of Insurance held an collateral, 



$2,416,526 00 
2,093,297 00 
1,563,570 00 



1892.] 



INS. COS. OF OTHER STATES. 



185 



$2,606 2 4 
58,362 82 

60,060 8L 

53,849,598 GO 
51,593 86 



9321,894 

2,438,432 



46 
79 



$2,760,327 
357,599 



25 
07 



$2,402,728 
434,816 



18 

02 



sources, 



State and local t:i\es, .... 

Commissions and brokerage, . 
Return premiums and re-insurance, 

Gross liabilities, except capital, 

Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, ..... 

Surplus over capital, .... 

Income. 
Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 
Less re-insurance and return premiums, . 
Net cash fire premiums received, . 
Interest received on mortgages, 

Interest and dividends received from all other 
Income from rents, etc., .... 
Income from perpetual deposits, 
Deposits received for perpetual lire risks, 

Gross cash income, .... 

Expenditures 
Cash paid for 6re losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for tire losses, 
Cash dividends paid, .... 

Cash paid f<»r commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

Gross cash expenditures, . 



Risks and Premiums. 

Fire risks outstanding Dec. 31, 1891, . $227,486,428 00 

Fire risks written during 1892, . . 195,384,366 00 

Total, $422,870,794 00 

Deduct risks expired and terminated, . 172,051,884 00 

In force at end of year, .... $250,818,910 00 

Deduct amount re-insured, . . . 6,837,306 00 

Net amount in force, .... $243,981,604 00 

Perpetual risks in force (not included above), 85,520,032 00 



$3,798,004 83 

$1,230,343 18 
500,000 00 

f730,343 18 



$78,041 35 



$1,967,912 16 

110,738 68 

127,469 85 

5,378 75 

4,107 43 

$2,215,606 87 



$1,347,799 
27,509 



96 
38 



$1,320,290 58 

200,000 00 

405,548 85 

226,861 85 

59,816 16 

$2,212,517 44 

Premiums. 

$2,753,260 97 
2,438,432 79 

$5,191,693 76 
2,130,406 85 

$3,061,286 91 
89,966 16 

$2,971,320 75 
2,046,668 76 



186 FIRE, MARIXE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (40 percent), 
Company's stock owned by directors, .... 



830,001,787 00 

17,721,831 00 

1,354,185 00 

4,379,762 00 

200,000 00 

37,000 00 



"THE FIRE INSURANCE COMPANY OF THE COUNTY OF 
PHILADELPHIA," PHILADELPHIA, PA. 

[Incorporated May 31, 1832. Commenced business April 19, 1833.] 

Paid-up Capital, $400,000. 

JAME3 N. STONE, President. F. M. CRITTEXDEN, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Jersey City bonds, $9,000 00 $10,080 00 

Lehigh Valley Railroad bonds, ... 18,000 00 22,660 00 

Delaware & Bound Brook Railroad bonds, . 24,000 00 30,540 00 

North Pennsylvania Railroad bonds, . . 12,000 00 13,200 00 

Catawissa Railroad bonds, .... 4,000 00 4,720 00 

Pennsylvania Co. bonds, 7,000 00 6,300 00 

Pennsylvania & N. Y. Canal and Railroad, . 10,000 00 11,820 00 

li shares Elmira & Williamsport Railroad, . 550 00 550 00 

Hunt & Broad Top Railroad and Coal Co., . 10,500 00 11,550 00 

Pittsburgh, Cincinnati & St. Louis R.R. bonds, 20,000 00 23,200 00 

American Steamship Company bonds, . . . 4,500 00 4,657 50 

West Jersey Railroad bonds, .... 7,000 00 7,490 00 

New York Car Trust bonds 3,000 00 3,000 00 

United New Jersey Railroad and Canal Co., . 20,000 00 23,000 00 

Philadelphia & Erie Railroad bonds, . . 10,000 00 11,450 00 

Pennsylvania Railroad bonds, . . . . . 11,000 00 14,300 00 

Junction Railroad bonds 7,000 00 7,770 00 

Camden & Atlantic Railroad bonds, • . . 4,000 00 4,440 00 

Belvidere. Delaware Railroad bonds, . . 1,000 00 1,125 00 

Connecting Railway bonds, .... 3,000 00 3,510 00 

261 shares Phila., Ger. & Norristown R.R., . 13,200 00 34,452 00 

City of Camden bonds 1,000 00 1,170 00 

Pennsylvania R.R. bonds 6,000 00 7,200 00 

15<) shares United Companies of New Jersey, . 15,000 00 84,500 00 

205 shares Germantown Passenger Railroad, . 10,250 00 21,730 00 

Schuylkill River East Side Railroad bonds, . 15,000 00 16,275 00 

Pennsylvania Steel Company bonds, . . 15,000 00 15,450 00 

Baltimore & Ohio Equipment Asso. bonds, . 12,000 00 12,000 00 

100 shares 2d and Sd street Passenger K.R., . 5,000 00 16,100 00 

Pennsylvania ,V Northwestern Railroad, . . 10,000 00 lo,750 00 



1892.] 



1XS. COS. OF OTHER STATES. 



187 



216 Bhares Pennsylvania Railroad, . 

Lehigh Valley Railway bonds, . 

69 Bhares Xat'l Bank of the North'n Liberties, 



Par Value. 

110300 00 

II (HI 

3,460 00 



Market Value. 

|11,772 00 

26,000 00 
11,385 00 



$327,250 00 $434,146 50 



S urities held as collateral for cash loans 



Market Value. Loaned Thereon. 



100 shares Reading Railroad Company, . 
200 

121 ■ 
100 ' 
200 ' 
86 
179 



Huntingdon & Broad Top R R. Co., 
Metropolitan Traction Company, 
Metropolitan Traction Company, 
Baltimore Traction Company, 
City Trust A Surety Co., Phila., 
Northern Liberties Gas Company, 



$2,588 00 

9,400 00 
16,456 00 
13,600 00 
5,675 00 
9,675 00 
7,160 00 



$10,000 00 

12,000 00 

15,000 00 

8,100 00 
5,000 00 



$64,554 00 $50,100 00 



Summary of Assets Dec. 31, 1892. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due and accrued thereon, 
Stocks and bonds, as per schedule, 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Perpetual deposits in other companies, . 
Gross assets, 

Liabilities. 

Losses adjusted, unpaid, . 
Losses claimed and reported, 

Total amount of losses, . 
Less re-insurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies, 
Commissions and brokerage, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, . 



$67,500 00 

254,900 00 

3,695 88 

434,146 50 

50,100 00 

957 49 

37,093 08 

1,038 50 

49,732 23 

335 83 

3,584 25 



$14,640 06 
25,329 80 



$39,969 86 
5 00 

$39,964 86 

122,439 57 

219,505 99 

9,099 82 



$903,083 76 



391,010 24 

$512,073 52 

400,000 00 

$112,073 52 



* Total value of property mortgaged, . . . . . $508,050 00 



188 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



I>C(>ME. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums ou risks written or renewed, . 

Total 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Discounts on perpetual premiums, . 
Deposits received for perpetual fire risks, 

Gross cash income, .... 

Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employe 

for State and local taxes, 

for incidentals, .... 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, . 



$26,062 71 
227,749 78 



$253,812 49 

49,732 23 

$204,080 26 
35,405 95 



sources, 



$59,972 96 



$124,910 11 
7,240 74 



es, 



$15,224 64 



$168,674 31 

11,216 06 

25,000 11 

1,894 71 

837 30 

$207,622 49 



$117,669 37 

24.120 00 
47,456 78 

11.121 46 
6,178 37 

11,573 50 

$218,119 48 



Risks and Premiums. 



$19,891,770 00 

20,277,419 CO 

$10,169,189 00 

18,955,704 00 

$21,213,485 00 

531,278 00 

$20,682,207 00 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 
Perpetual risks in force (not included above), 9,850,797 00 

Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, . 

Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, .... 



Premiums. 

$222,843 41 
227,749 78 

$150,593 19 
203,408 33 

$247,184 86 
5,833 36 

$241,851 50 

242,320 34 



$2,149,899 00 

1,328,746 00 

125,029 00 

588,408 00 
24,000 00 

66,100 00 



1892.] 



INS. COS. OF OTHER STATES. 



180 



-FIREMAN'S FUND INSURANCE COMPANY; 1 SAN FRANCISCO, 

CAL. 

[Incorporated May 3, 1863. Commenced business June 18, 1863.] 

Paid-up Capital, $1,000,000. 

D. J. STAPLES, PftHdmi. BERNARD FAYMONVILLE, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Omnibus Cable Company's bonds, . . . $125,000 00 $143,750 00 

Powell Street Railway Company's bonds, . 60,000 00 57,000 00 

Setter Street Railway bonds, .... 60*000 00 52,500 00 

Presidio an. I Ferries Railroad Co.'s bonds . 37,000 00 38,850 00 

Piedmont Cable Company's bonds, . . . 25,000 00 25,000 00 

Oakland (itv (t;i-. Light and Heat Co.'s bonds, 60,000 00 51,250 00 

San Diego Gas and Electric Light Co.'s bonds, 20,0 10 2<>,600 00 

Riverside Water Company's bonds, . . . 70,000 00 71,400 00 

California Dry Dock Company's bonds, . . 49,000 00 19,000 00 

Pacific Rolling Mills bonds, .... 18,00000 18,36000 

Union Iron Works bonds 2," ". 2,020 00 

San I'ascual School District bonds, . . . 18,750 00 19,312 50 

2,978 shares Home Mutual Insurance Co., . 297*800 00 579,221 00 

60 " Bank of California, . . . 6,000 00 15,750 00 

in? " First National Bank, . . . 10,700 00 19,260 00 

100 " Anglo-California Bank, . . 5,000 00 6,750 00 

314 " Grangers' Bank of California, . 31,400 00 33,598 00 

450 " Oakland Bank of Savings, . . 22,500 00 33.750 00 

200 " Sather Banking Company, . . 20,000 00 23,000 00 

1,000 " California Street Cable R.R. Co., 100,000 00 112,500 00 

550 " Presidio and Ferries R.R. Co., . 30,250 00 15,125 00 

440 " Sutter Street Railroad Company, . 44,000 00 41,' 00 00 

550 " Oakland Gas, Light and Heat Co , 11,000 00 22,550 00 

400 " Spring Valley Water, . . . 40,000 00 39,200 00 

" Pacific Gas Improvement Co., . 13,333 34 31,400 00 

656 " California Dry Dock Company, . 65,600 00 19,680 00 

500 " Pacific Rolling Mills, . . . 50,000 00 25,000 00 



$1,262,333 34 $1,569,826 50 



Securities held as collateral for cash loans : — 

50 shares Eagle Canning Company, 
Park & Cliff House Railroad Company bonds, ) 
331 shares California Safe Dep. & Trust Co., ) 

440 ■ 

601 ' 

440 

20 ' 

1,50 » ' 



Market Value. 

$2,500 00 



Loaned Thereon. 

$750 00 



68,057 00 50,000 00 



California Dry Dock Company, 
Bank of Sonoma County, 
Masonic Hall Association, . 
Spring Valley Water, . 
Inyo Marble Company, 



Zion Savings Bank & Trust Company, Utah, . 



15,400 00 

69,115 00 

6,600 00 

1,760 00 

2,250 00 

50,000 00 



5,000 00 
40,800 00 
5,500 00 
1,000 00 
1,000 00 
50,000 00 



$215,682 00 $154,050 00 



190 



FIRK, MARINE, AND FIRE-MARINE [Dec. 31, 



SUMMART OF ASSETS DEC 

Cash value of unencumbered real estate, 

Loan? on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the ollice of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, .... 
Re-insurance and miscellaneous, 

Gross assets, ..... 
Deduct special deposits in other States, . 



Balance, $2,987,706 77 



31, 1892. 

$320,700 00 

338,875 00 

2,583 67 

1,569,826 50 

154,050 00 

16,388 81 

214,612 95 

7,022 15 

325,855 61 

77,631 67 

1,415 00 

8,745 91 



$3,037,706 77 
50,000 00 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, ..... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Bills payable, etc., 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 

Income. 
Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash lire premiums received, 



$24,550 74 

177,753 86 

22,338 33 



$224,642 93 
55,704 24 



$168,938 69 

1,204,806 37 

28,878 22 

17,441 05 

11,420,064 33 
22,185 16 



1,397,879 17 

. $1,589,827 60 
. 1,000,000 00 



$589,827 60 



$256,622 06 
2,158,837 51 

^2,415,459 57 
301,340 78 

52,114,118 79 
625,723 22 



$1,488,395 57 



Value of landn mortgaged, 
Value of huildingn thereon, . 
Amouut of insurance held as collateral, 



$773,755 00 
226,300 00 
157,100 00 



1892.] 



INS. COS. OF OTHER STATES. 



191 



Marino premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 



Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 



$78,327 69 

610,459 08 

$694,786 77 

102,146 50 

$592,640 27 

342,911 81 



Net cash marine premiums received, 

Interest and dividends received from all sources, 

Income from rents, 

Gross cash income, 



. $249,728 46 

102,732 10 

25,327 49 

. $1,866,183 62 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, . 

Net cash paid for tire losses, .... 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 



$984,131 65 
139,202 99 

$330,531 62 
170,679 69 



144,928 66 



159,851 93 

120,000 00 

252,751 85 

148,928 71 

27,652 79 

149,226 25 

$1,703,340 19 



Risks and Premiums. 



Fire risks outstanding Dec 31, 1891, 
Fire risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1891, 
Marine risks written during 1892, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$146,767,581 00 
173,605,265 00 



$320,372,846 00 

143,663,315 00 

$176,709,531 00 

19,352,698 00 



Premiums. 

$1,948,130 72 
2,158,837 51 

$4,106,968 23 
1,780,805 81 



$2,326,162 42 
305,867 64 



1157,356,833 00 $2,020,294 78 



$6,670,566 00 
49,955,531 00 



$226,783 98 
616,459 08 



$56,626,097 00 
50,074,612 00 



$843,243 06 
580,605 83 



16,551,485 00 
2,497,751 00 



$262,637 23 
113,488 03 



$4,053,734 00 $149,149 20 



192 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company, 

is paid from organization of company, . 
Fire losses incurred during the year, 

Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company 
Dividends declared during the year (12 per cent.), 
Company's stock owned by directors, 



$23,380,289 00 
11,491,226 00 
877,522 00 
130,144 00 
2,176,060 00 
120,000 00 
150,600 00 



"THE PRESIDENT AND DIRECTORS OF THE FIREMEN'S IN- 
SURANCE COMPANY OF BALTIMORE," BALTIMORE, MD. 

[Incorporated December, 1825. Commenced business Aug. 2, 1826.] 

Paid-up Capital, $378,000. 

JAME3 M. ANDERSON, President. F. E. S. WOLFE, Secretary. 



Detailed Statement of Stocks 



Virginia State bonds, .... 
Tennessee State bonds, .... 
Baltimore city bonds, .... 
310 shares Commercial and Farmers 1 N'l Bank 
200 ' 

58 ■ 
132 ' 
808 ■ 

50 ■ 

55 
4 ' 



1 Nat'l Farmers 1 and Planters 1 Bank, 
Merchants 1 National Bank, 
National Bank of Baltimore, 
Mechanics 1 National Bank, 
Nat'l Farmers 1 and Merchants' Bank, 
People's Bank, 
Equitable National Bank, 
Baltimore & Ohio Railroad Car Trust bonds, 
Baltimore & Ohio Railroad Equipment bonds, 
Illinois Central Railroad bonds, 
Georgia Pacific Railroad bonds, 
Western North Carolina Railroad bonds, 
Baltimore & O. Southwestern Railroad bonds, 
Pittsburg & Connellsville Railroad bond: 
Chesapeake Gas Company bonds, . 
Ohio & Mississippi Railroad bonds, . 
Columbia & Greenville Railroad bonds, 
Northern Central Railroad bonds, . 
Columbus & Cincinnati Midland R.R. bonds, 
Georgia, Carolina & Northern Railroad bonds, 
Frederick County, Md., bonds, . 
Sioux City Railroad bonds, 
8S5 shares Baltimore City Passenger Railway, 
60 " George's Creek Coal and Iron Co., 
100 " Consolidated Gas Company, 



and Bonds. 

Par Value. 

$37,556 00 

34,000 00 
129,400 00 

31,000 00 
5,000 00 
5,800 '00 

13,200 00 

8,080 00 

2,000 00 

1,100 00 

400 00 

10,000 00 
1,000 00 

10,000 00 
5,000 00 
5,000 00 

10,000 00 
5,000 00 

10,000 00 
5,000 00 

10,000 00 
5,000 00 
5,000 00 

10,000 00 

20,000 00 

10,000 00 
8,125 00 
5,000 00 

10,000 00 



Market Value. 

f 13,675 60 
26,010 00 
139,020 00 
40,300 00 
9,600 00 
8,526 00 
19,404 00 
11,312 00 
3,100 00 
990 00 
380 00 
10,000 00 
1,000 00 
9,300 00 
5,050 00 
4,500 00 
10,600 00 
5,550 00 
10,800 00 
5,650 00 
9,500 00 
5,650 00 
4,700 00 
10,000 00 
20,000 00 
10,000 00 
26,000 00 
5,500 00 
5,900 00 



1892,] 



INS. COS. OF OTHER STATES. 



193 



238 shares German Fire Insurance Company,. 

60 " Baltimore Fire Insurance Company, 

200 " Howard Fire Insurance Company, . 

100 " Associated Firemen's Insurance Co., 



Tar Value. 

$2,880 00 

500 00 

1,000 00 

500 00 



Market Value. 

$4,403 00 

1,100 00 

1,300 00 

650 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
storks and bonds, as per schedule, . 
Cash in tin 1 office of the company, . 
Cash deposited in bank, .... 
Interest doe and accrued, .... 
Premiums in conrse of collection (gross), 
Rent- due and accrued, .... 

Office furniture, etc. 82,787 52 

Gross ass< 

Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc., . 
State and local taxi 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 

Income. 

Fire premium- outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 



Entire premiums collected, .... 
Less re-insurance and return premiums, . 
Xet cash lire premiums received, 
Interest and dividends received from all sources, 

Income from rents, 

Deposits received for perpetual fire risks, 



^116,041 00 $139,170 60 

31, 1892. 

$146,875 00 

439 470 60 

3,114 89 

4,885 20 

5,312 71 

5,196 79 

1,086 98 

$605,392 17 



|14,911 83 

9,954 71 

3.4' 00 

101,932 33 

2,188 30 

1,071 36 

1,513 91 

532 84 



$7,874 88 
188,449 77 

$196,324 65 
5,196 79 

$191,127 86 
33,579 36 



$194 37 



135,505 28 

$469,886 89 
378,000 00 

$91,886 89 



$157,548 50 

23,531 46 

7,943 33 



Gross cash income, 



$189,023 29 



1D4 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net ca>h paid for fire losses, .... 

Cash dividends paid, ..... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, .... 



SI 23,1 28 38 
2,516 11 



$425 00 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$22,066,218 00 
19,001,171 00 



$41,067,389 00 
19,626,401 00 



$21,440,988 00 
553,233 00 



$120,582 27 
22,640 58 
32,837 40 

8,112 00 
10,239 41 

5,944 84 

$200,356 50 

Premiums. 

f 200,690 60 

188,449 77 

$389,140 37 
179,199 94 

$209,940 43 
5,092 54 



$20,887,755 00 $204,847 89 



Perpetual risks in force (not included above), 58,185 00 2,303 47 

Miscellaneous. 

Premiums received from organization of company, . . $6,699,760 00 

Losses paid from organization of company, .... 3,413,479 00 

Fire losses incurred during the year, 116,780 00. 

Cash dividends declared from organization of company, . 3,260,509 00 

Dividends declared during the year (6 per cent.), . . . 22,680 00 

Company's stock owned by directors, 30,708 00 



"FIREMEN'S INSURANCE COMPANY OF NEWARK, N. J./' 

NEWARK, N. J. 

[Incorporated Dec. 3, 1855. Commenced business Dec. 3, 1855.] 

Paid-up Capital, $600,000. 
JOHN H. KASE, President. CIIAS. COLTER, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds $30,000 00 $33,425 00 

Morris & Essex Railroad bonds, . . . 50,000 00 68,000 00 

Orange and Newark Railroad bonds, . . 40,000 00 44,000 00 

Essex Pass. Railway bonds, .... 24,00000 26,16000 



1802.] 



INS. COS. OF OTHER STATES. 



195 



East Orange Township bonds, . 
Underwriters 1 Trot. Assoc'n bonds, . 
United X. J. Railroad & ('anal Co. stock, 
Delaware, Lack. & Western Railroad stock, 
Morris & Essex Railroad stock, 
Newark City National Bank stock, . 
Second National Bank stock, . 
National Newark Banking Company stock, 
National State Bank stock, 
Essex Count}- National Bank stock, . 
German National Bank stock, . 
Manufacturers 1 National Bank stock, 
Newark Electric Light & Power Company, 
Newark Fire Insurance Company stock, . 
American Insurance Company stock, 
Pttterson Gas Light Company stock, 
Newark Gas Light Company stock,. 
Citizens' Gas Light Company stock, 
Newark and Rosendale Cement Co. stock, 



Tar Value. 

$2,339 21 

1,000 00 
13,900 00 
55,000 00 
65,000 00 
20,000 00 
20,000 00 
20,000 00 
30,000 00 
20,000 00 

4,200 00 
10,000 00 
12,500 00 

5,000 00 
20,000 00 
10,000 00 
11,000 00 
11,850 00 

4,000 00 



Market Value. 

$2,339 2L 

1,000 00 
31,831 00 
84,700 00 
98,150 00 
30,400 00 
29,000 00 
33,000 00 
46,500 00 
49,000 00 

7,770 00 
15,500 00 
12,500 00 

8,000 00 
40,000 00 
10,000 00 
25,300 00 
21,922 50 

3,0u0 00 



$479,789 21 $721,497 71 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due and accrued thereon, . 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Kents due and accrued, .... 

Re-insurance due, 

Premiums more than 3 months due, $2,375 68 
Gross assets, ...... 



31, 1892. 

$122,319 59 

980,907 85 

13,001 97 

721,497 71 

1,685 58 

24,996 79 

6,213 00 

46,852 46 

148 00 

79 31 



$1,917,702 26 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 



$2,250 00 

51,657 79 

4,487 40 

$58,395 19 
2,850 00 

$55,545 19 
296,473 68 



* Total value of property mortgaged, . 
Amount of insurance held as collateral, 



$2,370,125 00 
1,310,860 00 



196 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Unpaid scrip ordered to be redeemed, . . $1,959 00 

Interest due or accrued on scrip, . . . 517 25 

Commissions and brokerage, .... 8,10288 

Return premiums, 5,798 25 

Re-insurance, 408 35 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 

Income. 
Fire premiums outstanding Dec. 31, 1891, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash tire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, 

Income from rents, . . 

Gross cash income, .... 

Expenditures 
Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for repairs on real estate, 

for incidentals, 

Gross cash expenditures, . 

Risks and Premiums. 



$368,804 60 

^1,548,897 66 
600,000 00 

^948,897 66 



$34,373 94 

182 07 

834,191 87 

440,847 44 

8475,039 31 

49,228 14 

$425,811 17 

49,878 08 



$263,442 02 
19,888 18 



Fire risks outstanding Dec. 31, 1891, 
lire risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$59,051,674 00 
50,804,475 00 

^109,856,149 00 
39,697,163 00 

$70,158 986 00 
1,377,432 00 



$375,933 09 

53,934 55 

39,565 23 

8,878 31 

$478,311 18 



$243,553 84 
72,000 00 
71,148 26 
21,252 78 
13,004 65 
4,428 18 
23,444 37 

$449,132 08 

rremiums. 

$473,388 06 
440,847 44 

$914,235 50 
340,840 66 

$573,394 84 
12,245 81 



$68,781,554 00 $561,149 03 



1892.] 



INS. COS. OF OTHER STATES, 



197 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, 
Cash dividends declared from organization of company 
Dividends declared miring the year (12 per cent.), 
Company's stock owned by directors, 



56,126,856 13 
2,744,417 46 

268,729 95 

1,326,500 00 

72,000 00 

218,850 00 



"FRANKLIN INSURANCE COMPANY OF LOUISVILLE," LOUIS- 
VILLE, KY. 

[Incorporated March 11, 1836. Commenced business March 11, 1836.] 

Paid-up Capital, $200,000. 

GEO. W. MORRIS, President. JOHN J. BARRET, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

125 shares Bank of Kentucky, . . . . $12,500 00 

214 " Louisville Gas Company, . . 21,400 00 

30 " Louisville Public Warehouse Co., . 3,000 00 



Market Value. 

$21,250 00 

27,820 00 

3,600 00 



Securities held as collateral for cash loans : — 

76 shares Utica Lime Company, 

60 shares Kelly Axe Manufacturing Co., 



$36,900 00 $52,670 00 

Market Value. Loaned Thereon. 

$7,600 00 $6,000 00 

9,000 00 3,800 00 



$16,600 00 $9,800 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Due from other companies, 

Gross assets, 



31, 1892. 

$369 05 

169,077 01 

4,343 28 

52,670 00 

9,800 00 

3,787 97 

24,854 73 

297 00 

5,163 29 

7,457 43 



$277,819 76 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, . 



$227,198 00 
160,688 00 
146,550 00 



198 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Liabilities. 



Losses claimed and reported, . 

Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

(iross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$13,037 97 
62,737 18 

387 82 



Surplus over capital, . 



$76,162 97 

$201,656 79 

200,000 00 

$1,656 79 



Income. 

Fire premiums outstanding Dec. 31, 1891, . $11,20185 
Premiums on risks written or renewed, . . 120,848 73 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, . . . $111,487 54 

Marine premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, . . 3,332 10 

Interest and dividends received from all sources, . . . 12,306 41 

Gross cash income, $127,126 05 



$132,050 58 
3,595 67 


$128,454 
16,967 


91 
37 


$1,455 31 
4,490 47 


$5,945 
1,567 


78 
62 


$4,378 16 
1,046 06 



Expenditures. 

( lash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

( lash paid for marine and inland losses, . 
for commissions and brokerage, 
for salaries of officers and employees, 
for State and local taxes, 
for incidentals, .... 



$63,848 25 
239 23 



$63,609 02 
2,572 95 
25,864 70 
7,765 00 
2,193 97 
4,794 34 



Gross cash expenditures, 



$106,799 98 



1892.] 



INS. COS. OF OTHER STATES. 



199 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 



Total 

Deduct risks expired and terminated, 

In force at end of year, 

Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1891, 
Marine risks written during 1892, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, 



. $9,236,494 00 
. 10,494,089 00 



Premiums. 

$100,629 02 
120,848 73 



119,730,583 00 
9,333,975 00 



$221,477 75 
94,823 07 



$10,396,608 00 
277,908 00 



6126,654 68 
3,681 47 



.$10,118,700 00 $122,973 21 



$5,000 00 
. 1,132,056 00 

. $1,137,056 00 
. 1,132,056 00 

$5,000 00 



$50 00 
4,490 47 



$4,540 47 
4,490 47 



$50 00 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, . . . . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Company's stock owned by directors, . 



$1,999 524 00 

1,131,507 00 

67,365 00 

1,016 00 

513,422 00 

39,250 00 



FRANKLIN FIRE INSURANCE COMPANY OF PHILADELPHIA;' 

PHILADELPHIA, PA. 

[Incorporated April 22, 1829. Commenced business June, 1829.] 

Paid-up Capital, $400,000. 

JAMES W. MCALLISTER, President. EZRA T. CRESSON, Secretary. 



Detailed Statement of Stocks and Bonds. 



Philadelphia city bonds, . 

City of Springfield, 111., bonds, 

City of Sandusky, O , bonds, . 

Lehigh Valley Railroad bonds, 

10 shares Philadelphia Bourse stick 

City of Camden, N. J., bonds, . 

Pitts., Carthiers & Youghiogheny R.R. bonds, 



Pur Value. 

$4,000 00 
4,000 00 
35,000 00 
65,000 00 
500 00 
40,000 00 
44,500 00 



Market Value. 

$4,000 00 
4,175 00 
39,667 50 
66,300 00 
500 00 
40,000 00 
50,062 50 



200 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Allegheny Valley Railroad bonds, . 
Pennsylvania Railroad bonds, . 
Shamokin, Sunbury & Lewisburg bond-, 
Pennsylvania Equipment Trust bonds, 
Chartiers R. W. bonds, .... 
Pennsylvania Equipment Trust bonds, 
Delaware River ferry bonds, . 
Penn. & New York Canal and Railroad bonds 
Wilmington & Weldon Railroad bonds, . 
Pennsylvania Equipment Trust bonds, . 
City of Sandusky, Ohio, bonds, 
Jacksonville, Louis. & St. Louis R.R. bonds, 
Lehigh Valley Railroad bonds, 
Huntington & Broad Top Railroad bonds, 
North Pennsylvania Railroad bonds, 
50 shares Independence National Bank, . 
Philadelphia City bonds, .... 
Lehigh Valley Railroad bonds, 
Huntington & Broad Top Railroad bonds, 
Pennsylvania Railroad bonds, . 
West Jersey Railroad bonds, . 
Penn. & New York Canal and Railroad bonds 
Phila., Wilmington & Baltimore R.R. bonds, 
West Jersey & Atlantic Railroad bonds, . 
Philadelphia & Erie Railroad bonds, 
50 shares First National Bank, Philadelphia, 
Phila., Wilmington & Baltimore R.R. bonds, 
Belvidere Delaware Railroad bonds, 
City of Quincy, 111., bonds, . . 
100 shares Southwark National Bank, 
(Uoucester County, N. J., bonds, 
Northern Pacific Railroad bonds, 
Iowa City & Western Railroad bonds, 
National Water Works Co., N. Y., bonds, 
Delaware & Bound Brook Railroad bonds, 
Lehigh Valley Railroad bonds, 
Chicago & Western Indiana Railroad bonds, 
Pennsylvania Railroad bonds, . 
Infantry Battalion of State Fencibles bonds, 
Columbus & Cincinnati Midland R.R. bonds, 
125 shares Phila., Wilm. & Baltimore R.R , 
St. Paul, Minnesota & .Manitoba R.R. bonds, 
Baltimore & Potomac Railroad bonds, . 
P. nil. & New York (anal and Railroad bonds 
West Jersey Railroad bonds, . 
Philadelphia & Reading Railroad bonds, 
Best., Mantua cV- Fairinounl Pass. U.K. J>onds, 
Connecting Railroad bonds, . 



Par Value. 

$25,000 00 
70,000 00 
10,000 00 
24,000 00 

6,000 00 

7,000 00 
10,000 00 
21,000 00 
30,000 00 
12,000 00 
20,000 00 
11,000 00 
11,000 00 
29,000 00 

3,000 00 

6,000 00 
43,900 00 
57,000 00 
11,500 00 
61,000 00 

7,000 00 
10,000 00 

3,000 00 

1,000 00 
10,000 00 

5,000 00 
25,000 00 
21,000 00 
19,000 00 

5,000 00 
23,000 00 

6,000 00 
20,000 00 
25,000 00 

8,000 00 
35,000 00 
14,000 00 
30,000 00 

1,100 00 
25,000 00 

6,250 00 

4,000 00 
117,000 00 
30,000 00 
13,000 00 
11,000 00 
10,000 00 
20,000 00 



Market Value. 

$27,750 00 

81,900 00 

10,500 00 

24,000 00 

6,960 00 

6,980 00 

10,000 00 

26,250 00 

32,400 00 

11,780 00 

20,550 00 

10,450 00 

12,100 00 

29,000 00 

3,300 00 

6,250 00 

46,037 25 

66,140 00 

11,960 00 

79,090 00 

7,490 00 

11,100 00 

3,210 00 

1,060 00 

10,100 00 

11,500 00 

25,000 00 

21,000 00 

19,000 00 

11,100 00 

23,000 00 

6,210 00 

20,000 00 

25,000 00 

8,640 00 

44,800 00 

14,700 00 

32,100 00 

1,100 00 

24,000 00 

7,000 00 

4,400 00 

146,355 00 

32,400 00 

15,080 00 

42,537 50 

lo,loo 00 

23,200 00 



1892.] 



IXS. COS. OF OTHER STATES. 



201 



Easton & Ambov Railroad bonds, . 
Lehigh Valley Railroad bonds, 
Elmira & Williamsport Railroad bonds, . 
Phila., Wilm. & Bait. Trust Certificate bonds 
N. Y M Lackawanna & Western R.R. bonds, 
West Jersey Railroad bonds, . 
New York Central Railroad bonds, . 
Harrisb'g, Ports., Mt. Joy *.V Lan. R.R. bonds, 
Lehigh Coal cV Navigation Company bonds, 
Northern Central Railroad bonds, . 
1G shares Continental Hotel Company, . 
Pennsylvania Company bonds, 
Steubenville & Indiana Railroad bonds, . 
Pennsylvania Salt Manufacturing Co. bonds, 
Camden & Atlantic Railroad bonds, 
Northern Central Railroad bonds, . 
Philadelphia ^v Erie Railroad bonds. 
500 shares Mine Hill & Schuylkill Haven R.R 
25 shares Penn. ( !o. for Insurance on Lives, etc 
Lehigh Valley Coal Company bonds, 
Baltimore ^V- Ohio Railroad bonds, . 
Northern Central Railroad bonds, . 
River Front Railroad bonds, 



Par Value. 

$25,000 00 
40,000 00 
10,000 00 
25,000 00 
25,000 00 
23,000 00 
25,000 00 
25,000 00 
10,000 00 
15,000 00 
1,600 00 
50,000 00 
00,000 00 
47,000 00 
14,000 00 
17,000 00 
10,000 00 
25,000 00 
2,500 00 
2<),000 00 
25,000 00 
10,000 00 

16,000 000 



Market Value. 

$27,375 00 
44,000 00 
10,500 00 
25,000 00 
32,000 00 
27,140 00 
25,250 00 
26,000 00 
10,900 00 
16,500 00 
2,160 00 
53,000 00 
62,400 00 
47,940 00 
15,680 00 
17,680 00 
11,400 00 
36,500 00 
13,250 00 
20,000 00 
25,000 00 
10,700 00 
16,000 00 



$1,715,850 00 $1,905,959 75 



Securities held as collateral for cash loans : — 

Market Value. 

300 shares Central Railroad of New Jersey, . $37,800 00 

550 M Lehigh Valley Railroad, . . 31,625 00 

250 " Lehigh Valley Railroad, . . 14,375 00 

200 " Northern Central Railroad Co., . 14,050 00 

300 " United Gas Improvement Co., . 19,500 00 

125 " Western National Bank, N. Y., . 14,625 00 

3,200 " Philadelphia & Reading RR, . 84,400 00 

Edge Moor Iron Company 27,000 00 

500 shares Philadelphia Traction Co., . . 57,750 00 

500 " New York & New Eng, R.R. Co., 22,812 50 

100 " Central Railroad of New Jersey, 12,600 00 

225 " Missouri Pacific Railroad Co,, . 12,740 62 

25 " Atch., Topeka & Santa F6 R.R., . 843 75 

200 " Catawissa Railroad Company, . 1,200 00 

Philadelphia & Reading Railroad, , . . 13,890 00 

Philadelphia & Reading Railroad, . . . 16,430 00 

100 shares Philadelphia Traction Company, . 11,550 00 

100 " Atchison, Topeka & Santa FeR.R., 3,375 00 

1,000 " Philadelphia & Reading R.R., . 26,375 00 

Philadelphia & Reading Railroad, . . . 1,210 00 



Loaned Thereon. 



$50,000 00 



} 50,000 00 
i 
J 

• 50,000 00 

25,000 00 
25,000 00 

I 25,000 00 

i 

]. 25,000 00 



25,000 00 



25,000 00 



202 FIRE, MARINE, AXD FIRE-MARINE [Dec. 31, 



Philadelphia & Reading Railroad, . 
Union Pacific, Denver & Gulf Railroad, . 
400 shares North American Co., 
100 " Wheeling & Lake Erie Railroad Co., 
100 " Pennsylvania Railroad Company, . 
100 " Atch., Topeka & Santa Fe MM. Co., 
100 M Atch., Topeka & Santa Fe R.R., . 
200 M Richmond & West Point stock, 
100 u Philadelphia Traction Company, . 
100 " Lehigh Valley Railroad Co , . 
300 " Philadelphia & Reading R.R. Co., . 
Philadelphia & Reading Railroad Company, . 
62 shares Thirteenth & Fifteenth Sts. Pass. R'y, 
Record Publishing Company bonds, 



j. $25,000 00 



Market Value. Loaned Thereon. 

$6,050 001 

5,190 00 

4,000 00 

6,237 50 

5,450 00 

3,375 00 J 

3,375 00 1 

1,425 00 
11,550 00 

5,750 00 

7,912 50 

6,050 00 J 
13,020 00 
15,000 00 



J. 25,000 00 



10,000 00 
10,000 00 



$518,536 87 $370,000 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon,' 
Stocks and bo i ids, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, . . 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 



31, 1892. 

$324,100 00 

348,749 67 

6,724 39 

1,905,959 75 

370,000 00 

4,596 98 

166,668 94 

3,288 04 

68,441 30 



$3,198,529 07 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 



$7,653 18 

26,123 11 

5,724 86 

466,150 56 

1,281,562 07 

547 50 

10,266 19 



- 1,798,027 47 



$1,400,501 60 
400,000 00 



. $1,000,501 60 



* Total value of property mortgaged, . 
Amount of insurance held ae collateral, 



$1,222,795 00 
515,133 00 



1892.] 



INS. COS. OF OTHER STATES. 



203 



Income. 

Fire premiums outstanding Dec. 81, 1892, . $58,082 64 
Premiums on risks written or renewed, . . 599,284 44 

Total, $657,907 08 

Premiums now in course of collection, . . 08,441 30 

Entire premiums collected $589,525 78 

Less re-insurance and return premiums, . . 78,015 96 

Net cash lire premiums received, . . . 

Interest received on mortgages, ...... 

Interest and dividends received from all other sources, . 
Income from rents, ......... 

[ncome from policy fees, etc., 

Deposits received for perpetual lire risks, 



$51 1,509 82 

43,902 24 

95,235 43 

10,658 90 

1,961 00 



$21,373 05 



Gross cash income, 

Expenditures. 

Cash paid for fire losses, 

Cash dividends paid 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for repairs on real estate, 

for incidentals, 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, .... 



$52,141 47 



$663,267 39 

$269,350 54 
89,792 50 
92,573 97 
37,376 72 
21,800 10 
3,384 73 
86,199 40 

$600,477 96 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, 



. $81,233,087 00 
. 54,197,464 00 

$135,430,551 00 
. 51,301,563 00 

. $84,128,988 00 
. 2,351,141 00 

.$81,777,847 00 



Perpetual risks in force (not included above), 60,451,608 00 



Premiuma. 

$887,176 44 
599,284 44 

11,486,460 88 
558,645 53 

$927,815 35 
23,874 46 

$903,940 89 
1,388,335 65 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . . . . 
Cash dividends declared from organization of company, 
Dividends declared during the year (22| per cent.), 
Company's stock owned by directors, . 



$28,359,420 00 

15,246,561 00 

258,320 00 

5,114,000 00 

90,000 00 

32,900 00 



204 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



"GERMAN-AMERICAN [NSURANCE COMPANY," NEW YORK, N.Y. 

[IueorporatuJ March, 1S7J. Commenced business March 7, 1S72.] 
Paid-up Capital, $1,000,000. 
i:\ill. OELBERMANN, President. JAMES A. SILVET, Secretary. 



Detailed Statement of Stocks 



United States bonds, . 
New York City bonds, 
Allegheny Street Railway bouds, 
Brooklyn City bonds, 

Troy, N. Y., City Railway Company bonds, 
St. Louis, Mo., bonds, 
Portland, Ore., water bonds, 
Atlanta, Ga., bonds, . 
Maryland Steel Company bonds, 
Nashville, Tenn., water bonds, 
Minneapolis L. & M. Street Railway bonds, 
Albany & Susquehanna Railroad bonds, . 
Chicago, Roek Island & Pacific R.R. bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago & Northwestern Railroad bonds, 
Chicago, Burlington & Quincy R R. bonds, 
Central Pacific Railroad bonds, 
Col., Hock Valley & Toledo Railroad bonds, 
Erie Railroad bonds, .... 

Kansas Pacific Railroad bonds, 
Little Miami Railroad bonds, . 
Louisville & Nashville Railroad bonds, . 
Missouri Pacific Railroad bonds, 
New York, Lack. & Western R.R. bonds, 
New York, Susq. & Western R.R. bonds, 
New York Central Railroad bonds, . 
N»w York, Chicago & St. Louis R.R. bonds, 
Eric Railroad bonds, .... 

'Omaha & St. Louis Railroad bonds, 
Pennsylvania Company bonds, 
St. Louis, Kansas City & Northern R.R, bonds 
St. Paul, Minn. & Manitoba Railroad bonds, 
Syracuse, Binghamton & New York R.R. bonds 
Western Union Telegraph Company bonds, 
Union Pacific Railroad bonds, . 

LOO shares Albany & Susquehanna Railroad 
1,860 
2,000 

1,000 I 

600 ' 
1,000 4 



Chic, Rock Island & Pacific R.R 
Clove., Cin., Chic. & St. Louis R.R 
Cayuga iV Susquehanna \l.\l., 
( Ibic , Milwaukee & St. Raul R.R., 
Chicago & Northwestern R.R,, . 



and Bonds. 

Par Value. 

$310,000 00 

1,012,784 17 

26,000 00 

75,000 00 
25,000 00 

100,000 00 
50,000 00 
25,000 00 
50,000 00 
25,000 00 
25,000 00 
75,000 00 

150,000 00 

130,000 00 

155,000 00 
55,000 00 
50,000 00 
25,000 00 

100,000 00 
50,000 00 
25,000 00 
25,000 00 
50,000 00 

100,000 00 
25,000 00 

100,000 00 
45,000 00 
25,000 00 
57,000 00 
55,000 00 
60,000 00 
30,000 00 
30,000 00 
25,000 00 
50,000 00 
10,000 00 

186,000 00 

200,000 00 
30,000 00 
50,000 00 

100,000 00 



Market Value. 

$341), 144 (0 

1,058,423 00 

25,000 00 

76,500 00 

25,000 00 

105,000 00 
56,000 00 
26,250 00 
50,000 00 
26,250 00 
25,000 00 
89,250 00 

162,500 00 

143,550 00 

167,500 00 
55.687 00 
53,500 00 
22,875 00 

137,000 00 
54,125 00 
27,500 00 
29,250 00 
55,500 00 

128,000 00 
26,750 00 

107,000 00 
43,875 00 
22,000 00 
34,200 00 
58,300 00 
63,900 00 
36,000 00 
88,700 00 
25,750 00 
53,720 00 
15,500 00 

112,050 00 

186,000 00 
56,600 00 
61,000 00 

126,750 00 



1892.] 



INS. COS. OF OTHER STATES. 



205 



200 shares Detroit, Hillsdale & S. W. R.R., . 

1,200 " Monii vV Esses Railroad, . 

2,638 " New York & Harlem Railroad, . 

892 " N. Y., N II & Hartford R.R., . 

200 " New York, Lack. & ^Yestern R.R., 

2,500 " Pennsylvania Railroad, 

500 " Rensselaer & Saratoga Railroad, 

8Q0 " St. Paul, Minn. & Manitoba R.R., 

100 " American Exchange Xat'l Bank,. 

200 " Central National Bank, 

175 " Rank of America, . 

200 " Rank of Commerce, 

200 " Fourth National Bank, . 

221 " German American Bank, 

1,000 " Consolidated Gas Company, 

300 " New York Mutual Gas Right Co., 

500 " Standard Oil Trust, 

440 " Western Union Telegraph Co., . 



Summary of Assets Dec 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Gross assets, * 

Deduct special deposits in other States, . 



Tar Value. 

$20,000 00 
60,000 00 

131,650 00 
39,200 00 
20,000 00 

125,000 00 
50,000 00 
30,000 00 
10,000 00 
20,000 00 
17,500 00 
20,000 00 
20,000 00 
16,575 00 

100,000 00 
30,000 00 
50,000 00 
44,000 00 



Market Value. 

$18,200 00 
90,600 00 

365,455 00 
99,960 00 
22,400 00 

137,500 00 
89,000 00 
33,600 00 
15,600 00 
27,200 00 
37,625 00 
39,800 00 
40,000 00 
20,718 00 

125,500 00 
45,000 00 
82,500 00 
42,240 00 



Balance, 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 



$4,543,709 17 $5,338,697 00 

31, 1892. 

$5,338,697 00 

5,127 82 

480,055 93 

3,411 00 

375,103 28 

$6,202,395 03 

135,000 00 

. $6,067,395 03 



$67,223 18 

313,091 38 

31,128 68 



1,443 24 
13,868 00 



$397,575 24 

2,472,884 04 

75,020 66 

$2,945,479 94 
96,899 69 



2,848,580 25 

. $3,218,814 78 
. 1,000,000 00 

. $2,218,814 78 



* Including $500,000 special reserve fund held under New York law. 



206 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 



Total |4,136,089 4-4 

Premiums now in course of collection, . . 375,103 28 



$311,855 73 
3,823,233 71 



Entire premiums collected, .... $3,759,986 16 

re-insurance and return premiums, . . 875,951 34 

Net cash fire premiums received, 

Interest and dividends received from all sources, 

Gross cash income, 



- $2,884,034 82 
240,708 85 

. $3,124,743 67 



Expenditures. 

Cash paid for fire losses, . 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, . 
Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 



. $1,879,454 65 
215,095 34 



$1,664,359 31 
200,000 00 
469,022 33 
218,721 53 
69,265 35 
301,554 82 

. $2,922,923 34 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 



Risks and Premiums. 

Premiums. 

$486,515,387 00 $4,406,511 46 
397,321,446 00 3,823,233 71 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$883,836,833 00 $8,229,745 17 
353,516,959 00 3,281,591 49 



$530,319,874 00 $4,948,153 68 
16,457,490 00 190,901 80 



13,862,384 00 $4,757,251 88 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . . . . 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent.), 
Company's stock owned by directors, . 



$34,882,815 00 

17,773,774 00 

1,721,323 00 

2,740,000 00 

200,000 00 

301,800 00 



1892.] 



IXS. COS. OF OTHER STATES. 



207 



"GERMANIA FIRE INSURANCE COMPANY;* NEW YORK, X. Y. 

[Incorporated March 2, lS-^O. Commenced business March 2, 1859.] 

Paid.cp Capital, $1,000,000. 

HUGO BCHTJMANK, President. CHARLES RUYKHAVER, Secretary. 



Detailed Statement of Stocks and I> 



United States bonds, .... 
American Dock Improvement Co. bond-. 
Atchison, Topeka & Santa Fe R.R. bonds, 
Chicago, Milwauk Paul R R. bonds, 

Chicago, Milwaukee & St Paul R.R. stock, 
Chicago, Rock Island A Pacific R R. bom 
Consolidated Gas Company stock, . 
Chicago & Northwestern Railway Co. stock, 
Delaware & Hudson Canal Company stock. 
Dry Dock, East B'dway & Battery R.R. bonds 
East Tennessee, Va, & Ga, Railroad bond-. 
Farero & Southern Railway bond-. . 
Flint & Pere Marquette Railroad bonds 
Georgia State bond-. .... 

German American Bank stock, 
Hannibal & St Joe Railroad bonds, 
Kentucky Central Railway bonds, . 
Lake Shore & Michigan Southern R.R. stock, 
Lonjr Island Railroad bonds. . 
Louisville, New Albany & Chic. R.R. bonds, 
Michigan Central Railroad bonds, . 
Milwaukee & Northern Railroad bond-. 
Milwaukee & St Paul Railway bonds, . 
Mississippi State bonds, .... 
b^ shares National Park Bank stock, 
N. Y., Brooklyn & Manhattan Beach R'y bonds, 
New York Central & Hudson Riyer R.R. stock, 
New York Central A: Hudson Riyer R.R. bonds, 
New York, Ontario & Western Railway bonds, 
Pennsylvania Railroad Company stock, . 
Pittsburgh & W. Railway bonds, 

Richmond city bonds, 

Rome, Watertown at Ogd'sb'g R.R. Co. stock, 
St. Paul, Minn. & Manitoba Railway bonds. . 
St. Paul & Northern Pacific Railroad bonds, . 
Third Avenue Railroad Company bonds, 
Toledo & Ohio Central Railway bonds, . 
Underwriters" Protective A'ssn of NTewark, 



Tar Value. 

$864,100 00 

I 00 

.000 00 

■ . 

40,000 00 
25, "00 

25,000 00 
60,000 00 

I 00 
.000 00 
25. 

20,000 00 
25,000 00 
25,000 00 

5,175 00 
25,000 00 
25,000 00 
60,004 • 
15,000 00 

~ 00 
20,000 00 
25,000 00 
15,000 00 
20,000 00 

5,000 00 
25,000 00 
60,000 00 
25,000 00 
50,000 00 
50,000 00 
25,000 00 
50,000 00 
50,000 00 
37,000 00 
16,000 00 
25,000 00 
35,000 00 

1,000 00 



Market Value. 

1988,484 25 

27,500 00 
2 .937 50 
57,000 00 
4 -.800 CO 
31,250 00 
31,375 00 
66,150 00 
67,250 00 
10,100 00 
22,687 50 
23,400 00 
25,000 00 
25,625 00 

6,46- 75 
29,312 50 
21,125 00 
77.100 00 
17,250 00 

8,01 

22,600 00 
28,500 00 
19,650 00 
20,000 00 
15,750 00 
25,000 00 
65,400 00 
26,812 50 
41,875 00 
54,500 00 
20,875 00 
50,300 00 
54,500 00 
38,855 00 
19,440 00 
28,375 00 
38,150 00 

1,000 00 



208 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Union Elevated Railroad, Brooklyn, bonds, 
Wabash Railroad bonds, .... 
Western Union Telegraph Company stock, 



Tar Value. 

$15,000 00 
25,000 00 

30,000 00 



Market Value. 

$17,250 00 
25,593 75 
28,500 00 



$2,010,275 00 $2,247,756 75 



Securities held as collateral for cash loans: — 

15 shares New York Econ. Printing Company, 
5 Maconpon County (111.) bonds, . 



Market Value. Loaned Thereon. 

|2,250 00 

500 00 



$2,000 00 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per sche.lule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Premiums more than 3 months due, $1,078 li 

Gross assets, 

Deduct special deposits in other States, . 



81, 1892. 

$447,649 19 

168,500 00 

3,950 00 

2,247,756 75 

2,000 00 

67,606 77 

42,697 73 

50 00 

210,094 78 

3,787 52 



$3,194,092 74 
75,925 00 



Balance, $3,118,167 74 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, ... 
Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



$39,030 83 
62,172 52 
11,786 44 



112,989 79 
22,313 32 



$90,676 47 

1,061,580 80 

31,261 54 



1,183,521 81 



. $1,934,645 93 
. 1,000,000 00 



Surplus over capital, . 



$934,645 93 



* Value of landl mortgaged, . 
Value Of building! thereon, 
Amount of insurance held as collateral, 



$96,500 00 
211,000 00 
159,500 00 



1892.] 



INS. COS. OF OTHER STATES. 



209 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 



Total. 

Premiums now in course of collection, 



$198,9 48 96 
1,538,082 08 

$1,737,031 04 
211,172 94 



. $1,525,858 10 
519,207 68 

. $1,006,650 42 

8,485 00 
Interest ami dividends received from all other sourees, . . 99,670 66 



Entire premiums collected, 
Less re-insurance and return premiums, . 
Net cash lire premiums received, 
Interest received on mortgages, 



Gross cash income, $ 1,114,806 08 



Expenditures. 

Cash paid for fire losses 

Deduct salvage and re-insurance, 

Net cash paid for tire losses, .... 

Cash dividends paid, ..... 

Cash paid for commissions and brokerage*. 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$727,243 20 
118,290 00 



$608,953 20 

100,0' i0 00 

164,797 57 

115,350 m 

24,372 93 

80,749 69 

$1,091,223 95 



Fire risks outstanding Dec. 31, 1891, 
Eire risks written during 1892, 



Risks and Premiums. 

Premiums. 

$277,597,834 00 $2,341,842 50 
.182,387,041 00 1,538,082 08 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$459,984,875 00 $3,879,924 58 
180,529,946 00 1,511,542 24 



$279,454,929 00 $2,368,382 34 
. 29,733,015 00 333,110 03 



$249,721,914 00 $2,035,272 31 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . . . . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, . . . . 



$26,155,636 00 

13,265,852 00 

585,950 00 

2,401,000 00 

100,000 00 

181,350 00 



210 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



"GIRARD FIRE AND MARINE INSURANCE COMPANY," 
PHILADELPHIA, PA. 

[Incorporated March, 1853. Commenced business May, 1853.] 

Faid-up Capital, $300,000. 

ALFRED 8. GILLETT, President. EDWIN F. MERRILL, Secretary. 



Detailed Statement of Stocks and Bonds. 



United Suites bonds, . 

Louisville eity bonds, 

St. Louis county bonds, . 

Seattle city bonds, 

Georgia State bonds, 

Connecting Railroad bonds, 

Pennsylvania Railroad Company bonds, 

Phil a., Wilmington & Baltimore R.R. bonds, 

Pitts., Air, Chicago & St. Louis R.R. Co. bonds 

Delaware Railroad Company bonds, 

Phila. & Reading Railroad Car Trust bonds, 

Phi la. & Reading Railroad bonds, . 

Lehigh Coal & Navigation Company bonds, 

Lancaster & Reading Kail road bonds, 

North Pennsylvania Railroad bonds, 

Lehigh Valley Railroad Company bonds, 

Union Pacific Railroad bonds, . 

Philadelphia & Darby Pass. Railroad stock, 

Zanesville & Ohio Railroad bonds, . 

Lower Merion Gas Company bonds, 

Holmesburg Water Company bonds, 

Hutchinson Water, Light and Power Co. bonds 

Philadelphia Bourse stock, 

Borough Ridley Park bonds, . 

Girard Fire and Marine Ins. Co., $41,650 00 



Par Value. 

$72,000 00 

10,000 00 

10,000 00 

30,000 00 

25,000 00 

10,000 00 

25,000 00 

70,000 00 

10,000 00 

6,000 00 

35,000 00 

2,000 (0 

16.000 00 

10,000 00 

5,000 00 

35,000 00 

5,000 00 

2,250 00 

10,000 00 

8,000 00 

1,000 00 

12,000 00 

1,000 00 

4,000 00 



Market Value. 

$82,080 00 

12,000 00 

12,000 00 

30,750 00 

27,250 00 

11,600 00 

29,200 00 

70,000 00 

10,200 00 

6,420 00 

36,050 00 

1,400 00 

17,290 00 

10,400 00 

6,400 00 

37,500 00 

5,450 00 

1,485 00 

7,500 00 

8,160 00 

1,000 00 

12,000 00 

1,000 00 

4,080 00 



$414,250 00 $441,215 00 



Securities held as collateral for cash loans : — 

Allegheny Valley Railroad bonds, . 

Ohio & Mississippi Railroad bonds,. 

St. Louis, Alton & Terre Haute R.R. bonds, . 

North Missouri Railroad Company bonds, 

Loaned on company's own stock, . f 3,000 00 



Market Value. 



$1,220 00 
1,110 00 
5,200 00 
1,070 00 



Loaned Thereon. 

$600 00 
900 00 

5,000 00 



$8,600 00 $6,500 00 



1892.] 



INS. COS. OF OTHER STATES. 



211 



Summary of Assets Dec. 31, 1892. 

Cash value of unencumbered real estate, . $280,100 00 

Loans on mortgage of real estate (first liens*), 717,350 00 

Interest due and accrued thereon, . . . 14,168 30 

Stocks and bonds, as per schedule, . . . 441,215 00 

Loans on collateral security, as per schedule, . 6,500 00 

Cash in the ollice of the company, . . . 8,220 01 

Cash deposited in bank, 64,753 36 

Premiums in course of collection (gross), . 78,260 72 

Notes taken for tire risks, .... 20,212 83 

Rents due and accrued, 1,120 34 

Perpetual insurance deposit, .... 1,665 00 

Perpetual re-insurance, 2,889 00 

Giwss assets, 

Deduct special deposits in other States, . 



Balance, 



Liabilities. 



Losses claimed and reported, 
Losses disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Keclaimable on perpetual fire policies, . 
Due and accrued for rent, salaries, etc., . 
State and local taxes, .... 
Commissions and brokerage, . 
Return premiums and re-insurance, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, .... 

Income. 
Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 



$1,636,454 56 
27,250 00 

$1,609,204 56 



$31,187 13 
7,610 66 

$38,797 79 
4,064 90 

$34,732 89 

379,122 48 

382,511 66 

3,179 41 

1,195 32 

28,579 50 

13,925 88 

$843,247 14 
4,056 23 



$97,786 57 
559,647 17 

$657,433 74 
98,473 55 

$558,960 19 
99,506 11 



839,190 91 

$770,013 65 

300,000 00 

$470,013 65 



$459,454 08 



* Total value of property mortgaged, . 
Amount of insurance held as collateral, 



$2,108,492 00 
476,079 00 



212 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Interest received on mortgages, $41,848 66 

Interest and dividends received from all other sources, . . 20,796 95 

Income from rents, 6,06-4 13 

Income from all other sources, 550 50 

Deposits received for perpetual lire risks, . $47,388 98 

Gross cash income, $528,714: 32 



Expenditures. 

Cash paid for fire losses, $229,416 51 

Deduct salvage and re-insurance, . . . 9,891 86 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for incidentals, .... 

Deposits returned on perpetual fire risks, . $15,982 50 



$219,524 65 
6U,000 00 
90,194 61 
58,359 95 
11,142 62 
29,103 07 



Gross cash expenditures, 



$468,324 90 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1891, . . $85,963,040 00 $ 1,100,436 58 
Fire risks written during 1892, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



Net amount in force, .... 
Perpetual risks in force (included above), 



51,850,226 00 559,647 17 



$137,813,266 00 $1,66C,083 75 
. 46,394,320 00 477,261 20 



. $91,418,946 00 $1,182,822 55 
. 2,797,111 00 32,673 46 



.$88,621,835 00 $1,150,149 09 
. 18,854,430 00 425,012 95 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent.), . 
Company's stock owned by directors, .... 



$10,128,827 00 

4,205,015 00 

204,912 00 

1,545,196 00 

6<),<>00 00 

32,600 00 



1892.] 



INS. COS. OF OTHER STATES. 



213 



"GLEN'S FALLS INSURANCE COMPANY," GLEN'S FALLS, N. Y. 

[Incorporated May, 1849. Commenced business May, 1850.] 

Paid-up Capital, $200,000. 

J. L. CUNNINGHAM, President. • R. A. LITTLE, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

N. Y. Central & Hudson River R.R. bonds, . $200,000 00 $243,000 00 

New York & Harlem R.R. bonds, . . . 100,000 00 119,000 00 

Lake Shore & Michigan So. R.R. bonds, . . 50,000 00 58,625 00 

Syracuse, Bing. & New York R.R. bonds, . 53,000 00 68,900 00 

Morris & Essex Railroad bonds, . . . 50,000 00 68,500 00 

West Shore Railroad bonds 50,000 00 50,000 00 

Hudson River Pulp and Paper Co. bonds, . 279,000 00 279,000 00 

Glen's Falls Paper Mill bonds, . . . 300,<>00 00 300,000 00 

Georgia State bonds, 25,000 00 25,000 00 

Richmond city bonds 1<),000 00 10,000 00 

First National Bank, Glen's Falls, stock, . 10,000 00 20,000 00 

International Lo in and Trust Co. bonds, . 100,000 00 100,000 00 

Jarvis-Conklin Mortgage Trust Co. bonds, . 23,500 00 23,500 00 



$1,250,500 00 $1,365,525 00 



Securities held as collateral for cash loans : — 

Morris & Essex Railroad bonds, 
Germania Fire Insurance Co. stock, 
German American Insurance Co. stock, . 
Company's own stock, . . $20,250 00 



Market Value 

$4,110 00 
4,500 00 
7,500 00 



} 



Loaned Thereon. 



$16,110 00 



Excess of loan, 



$20,000 00 



$20,000 00 
3,890 00 

$16,110 00 






Summary of Assets Dec 

Cash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens) 

Interest due and accrued thereon, 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the office of the company, . 

Cash deposited in bank, .... 

Interest due and accrued, .... 

Premiums in course of. collection (gross), 

Notes taken for fire risks, 

Rents due and accrued, .... 

Re-insurance, 

Gross assets, ..... 
Deduct special deposits in other States, . 



Balance, $2,116,482 77 



31, 1892. 

$28,950 00 

567,937 55 

3,293 49 

1,365,525 00 

16,110 00 

3,020 88 

84,355 58 

8,717 17 

72,222 90 

309 50 

100 00 

940 70 



M51,482 77 
35,000 00 



214 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 

Total amount of losses, . 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for salaries, etc., 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$6,518 13 

31,103 00 

5,535 00 



$43,156 13 

4,886 57 

838,269 56 

682,405 68 

4,000 00 

11,308 48 



$735,983 72 



. $1,380,499 05 
200,000 00 



Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1891, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, etc., .... 

Gross cash income, .... 



Expenditures 

Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, .... 



. $1,180,499 05 



$67,396 87 

859 79 

$66,537 08 

808,449 42 

$874,986 50 

75,389 89 

$799,596 61 

158,259 79 



sources, 



$369,109 56 
55,648 69 



$641,336 82 

37,267 24 

75,513 57 

1,229 75 

$755,347 38 



$313,460 87 
20,000 00 
121,359 99 
50,216 42 
29,685 33 
51,081 42 



Gross casli expenditures, 



$585,804 03 



1802.] 



IXS. COS. OF OTHER STATES. 



215 



Fire risks outstanding Doc. 81, 1891, 
Fire risks written during 1892, 



Risks and Premiums. 

Premiums. 

. $125,810,471 00 $1,272,358 40 
79,090,902 00 808,449 42 



Total, 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



8204,901,373 00 $2 080,807 82 
68,474,710 00 678,901 43 



$136,426,663 00 $1,401,906 39 
8,575,809 00 100,148 35 



$127,850,854 00 $1,301,758 04 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 

Fire losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



,11,476,494 00 

5,790,082 00 

365,516 00 

520,000 00 

20,000 00 

79,160 00 



•'GRANITE STATE FIRE INSURANCE COMPANY/' 
PORTSMOUTH, N. II. 

[Incorporated July 17, 1885. Commenced business Nov. 12, 1885.] 
Paid-up Capital, $200,000. 
FRANK JONES, President. ALFRED F. HOWARD, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Harrisville, N. H., town bonds, . . . $15,000 00 $15,600 00 

City of Manchester, N. H, bonds, . . . 100,000 00 106,000 00 

Fort Plain, N. Y., Water Company bonds, . 10,000 00 11,000 00 

New Hampshire Trust Company bonds, . . 10,000 00 10,000 00 

Xenia, Ohio, Water Company bonds, . . 6,000 00 6,300 00 

St. Cloud Gas & Electric Company bonds, . 10,000 00 10,500 00 

Nashua Card & Glazed Paper Co. bonds, . 5,000 00 5,200 00 

Xat'l Loan & Trust Co., Kan. City, Mo., bonds, 4,000 00 4,000 00 

County of Garfield, Colorado, bonds, . . 1,000 00 1,100 00 

Front St. Cable ETy Co., Seattle, Wash., bonds, 12,000 00 12,600 00 

Ogden City, Utah, bonds, 5,000 00 5,500 00 

Salt Lake City, Utah, bonds, .... 15,000 00 15,300 00 

Palouse City, Wash., water bonds, . . . 4,800 00 5,520 00 

133 shares Dover Gas Light Company, . . 3,325 00 3,59100 

Eastman Freight Car Heater Company bonds, 36,000 00 36,000 00 

1 share W orcester, Nashua & Rochester R.R., . 100 00 125 00 

50 shares Inter. Loan & Trust Co , Kan. City, 5,000 00 5,000 00 

50 " WolfbonyL.&B.Co.^Volfboro'^.H., 5,0()0 00 5,000 00 

77 " Boston & Maine R.R. prefd stock, 7,700 00 11,165 00 

123 " Boston & Maine R.R. com. stock, . 12,300 00 20,940 75 



$267,225 00 $290,441 75 



216 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



- unties held as collateral for cash loans : — 

Chippewa Falls, Wis.. Water Works bonds, . 
40 shares Indian Head Nat'] irk, Nashua, N. II., 
Boston & Lowell R ail road bonds, . 
Columbia Co., Wash., Court House bonds, 
Emporium Elect. & Gas Light Company bonds, 
Front Street Cable Railway bonds, . 
Eastman Freight Car Heater Company bonds, 



Market Value. Loaned Thereon. 



$3,150 00 

5,100 00 

4,925 00" 

2,400 00 

11,000 00 

24,150 00 

12,000 00 



$2,480 00 
4,000 00 

15,000 00 

20,000 00 
10,000 00 



$63,025 00 $51,480 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest accrued thereon, .... 
Stocks and bonds, as per schedule, . 
Loans on collateral securit}-, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 



31, 1892. 

$1,500 00 

62,700 00 

1,153 97 

290,441 75 

51,480 00 

1,874 92 

52,744 66 

1,893 98 

100,398 88 



$564,188 16 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risk 
Commissions and brokerage, . 
Return premiums, .... 

Re-insurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 

Surplus over capital, 



$26,138 84 

25,843 14 

672 00 

$52,653 98 
14,214 89 

$38,439 09 

269,025 56 

8,619 34 

2,244 03 

2,607 80 



320,935 82 



. $243,252 34 
200,000 00 

$43,252 34 



* Value of landl mortgaged, 
Value of buildings thereon, 
Amount of insuiauee held as collateral, 



$72,840 00 
80,050 00 
60,165 00 



1892.] 



INS. COS. OF OTHER STATES. 



217 



Income. 

Fire premiums outstanding Dec. 81, 1891, . 368,657 37 

Premiums on risks written or renewed, . . 747,955 19 

Total $816,612 56 

Premiums now in course of collection, . . 100,398 88 

Entire premiums collected, .... $716,213 68 
Less re-insurance and return premiums, . . 206,492 55 

Net cash lire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Gross cash income, 



$509,721 13 

4,299 35 

19,151 10 



$533,171 58 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



$476,897 56 
99,091 10 



$377,806 46 

12,000 00 

116,673 40 

10,980 00 

9,260 67 

24,225 72 

$550,946 25 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 



Risks and Premiums. 

Premiums. 

.$48,054,555 00 $612,020 29 
. 61,427,544 00 747,955 19 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . . 



$109,482,099 00 $1,359,975 48 
. 58,530,502 00 654,027 74 



. $50,951,597 00 $705,947 74 
. 15,351,830 00 182,541 06 



.$35,599,767 00 $523,406 68 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . , 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (6 per cent.), . 

Company's stock owned by directors, 



53,095,741 00 

1,325,089 00 

380,999 00 

36,000 00 

12,000 00 

120,600 00 



218 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 
"THE GREENWICH INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated May 5, 1S34. Commenced business Jan. 1, 1835.] 
Paid-up Capital, $200,000. 

MASON A. STONE, President. WALTER B. WARD, j AsgL SecretarieSm 

WILLIAM ADAMS, ) 



Detailed Statement of Stocks 



United States Government bonds, . 

District of Columbia bonds, 

Harlem River & Portehester Railroad bonds, 

N. Y. Central & Hudson Riv Railroad bonds 

Albany & Susquehanna Railroad bonds, 

West Shore Railroad bonds, 

Oswego & Syracuse Railroad bonds, 

Buffalo & Erie Railroad bonds, 

State of Georgia bonds, . 

Rome, Watertown & Ogdensburg R.R. bonds 

Consolidated Gas Company of New York stock 

Rensselaer & Saratoga Railroad stock, . 

New York Cent. & Hudson Riv. Railroad stock 

Valley Railroad Company stock, 

Lake Shore & Michigan Southern R.R. stock, 

National Broadway Bank stock, 

Delaware & Hudson Canal Company stock, 

New York, Lack. & Western Railroad stock, 

Atlantic Mutual Insurance Company scrip, 



Securities held as collateral for cash loans : — 

27 shares United States Life Insurance Co., . 
12 " Niagara Fire Insurance Company, . 
5 " People's Fire Insurance Company, . 
15 " Hanover National Bank, . 
40 " Bowery National Bank, 
Peoria, Decatur & Evansville Railroad bond, . 
St. Louis & Iron Mountain Railroad bonds, 
5 shares N. Y., N. II. & Hartford Railroad, •. 



and Bonds. 

Par Value. 

824,000 00 

125,000 00 

10,000 00 

60,000 00 

80,000 00 

50,000 00 

53,000 00 

9,500 00 

25,000 00 

5,000 00 

100,000 00 

60,000 00 

50,000 00 

35,000 00 

25,000 00 

17,500 00 

50,000 00 

25,000 00 

30,000 00 



M;\rkot Value. 
$27,240 00 

143,125 00 
11,500 00 
73,200 00 
94,800 00 
50,875 00 
58,300 00 
11,600 00 
25,687 50 
5,600 00 
125,500 00 
105,000 00 
54,750 00 
40,250 00 
32,000 00 
47,250 00 
67,250 00 
28,437 50 
31,685 91 



$834,000 00 $1,034,050 91 



Market Value. 

$ 1,485 00 

900 00 

250 00 

5,100 00 

12,400 00 

7,070 00 

1,030 00 

1,275 00 



Loaned Thereon. 

$850 00 

600 00 

150 00 

1,550 00 

5,000 00 

6,000 00 

500 00 

1,000 00 



$29,510 00 $15,650 00 



Summary of Assets Dec. 31, 1892. 
Casb value of unencumbered real estate, . $170,000 00 

Loans on mortgage of real estate (first liens*), 4,600 00 



* Value of lands mortgaged, 
Value of Iniildings thereon, 
Amount of insurance held as collateral, 



$10,500 00 

12,500 00 

7,000 00 



1892.] 



INS. COS. OF OTHER STATES. 



219 



Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the offica of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for tire, marine and inland risks, 
Rents due and accrued, .... 

lie-insurance, 

Cross assets, 

Deduct special deposits in other States, . 



,034,050 91 

15,650 00 

10,300 32 

32,192 91 

2,329 14 

199,727 21 

14,428 25 

108 37 

2,765 58 



$1,486,152 69 
25,687 50 



Balance, $1,460,465 19 



Liabilities. 
Losses claimed and reported, . 
Losses disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Due for borrowed money, 

State and local taxes, 

Commissions and brokerage, . 

Return premiums, 

Re-insurance, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 



$255,759 27 
36,004 42 

$291,763 69 
39,821 66 

$251,942 03 

821,563 39 

45,000 00 

2,500 00 

35,000 00 

600 00 

8,490 04 



.,165,095 46 
25,687 50 



1,139,407 96 



$321,057 23 
200,000 00 



. $121,057 23 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 



$217,142 58 
26,955 83 



$190,186 75 
1,296,434 35 

4,486,621 10 
212,873 82 



$1,273,747 28 
259,366 79 



$1,014,380 49 



220 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Marino premiums outstanding Dec. 31, 1891, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, ..... 

Income from all other sources, 

Gross cash income, , 



$0,320 41 
13C 14 

.#_ 

$9,184 27 
189,797 57 



$198,981 84 
7,084 74 



$191,897 10 
17,074 71> 



sources, 



$174,822 31 

529 00 

54,955 30 

17,580 G5 

33 62 



. $1,262,301 37 



Expenditures. 

Cash paid for fire losses, . ... 

Deduct salvage and re-insurance, . 

Net cash paid for tire losses, .... 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



$940,672 73 
116,665 17 

$131,452 77 
20,548 97 



$824,007 56 



110,903 80 

20,000 00 

258,911 83 

75,764 84 

13,943 02 

74,999 19 

.,378,530 24 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 



Risks and Premiums. 

Premiums. 

$311,455,762 00 $1,639,495 07 
. 181,184,241 00 1,296,434 35 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



$492,640,003 00 $2,935,929 42 
.190,919,081 00 1,237,397 94 



$301,720,92i 00 $1,698,531 48 
. 28,486,383 00 129,492 85 



Net amount in force, . 



$273,234,539 00 $1,569,038 63 



1892.] 



INS. COS. OF OTHER STATES. 



221 



Marine risks outstanding Dec 31, 1891, 
Marine risks written during 1892, . 



Total, 

Deduct risks expired and terminated, 

In force at. end of year, 
Deduct amount re-insured, 

Net amount in force, . 



♦3,863,140 00 
57,335,552 00 



rremitims. 

$86,511 67 
189,797 57 



$61,198,692 00 
58,171,612 00 



$276,309 2-4 
201,606 16 



$3,027,080 00 
57,500 00 



$74,703 08 
1,629 75 



$2,969,580 00 $73,073 33 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, . 
Marine and inland losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.),. 
Company's stock owned by directors, .... 



$11,885,284 00 

7,790,162 00 

811,315 00 

124,033 00 

2,030,000 00 

20,000 00 

80,650 00 



"HANOVER FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April, 1852. Commenced business April, 1852.] 
Paid-up Capital, $1,000,000. 

I. REMSEN LANE, President. CHARLES L. ROE, Secretary. 

Detailed Statement of Stocks and Bonds. 

Tar Value. Market Value. 

United States bonds, $98,000 00 $111,025 00 

State of Georgia coupon bonds, . . . 25,000 00 28,250 00 

City of Richmond, Va., bonds 50,000 00 55,000 00 

New York & Harlem Railroad bonds, . . 25,000 00 30,000 00 

Erie Railway Company bonds 54,000 00 74,520 00 

Union Pacific Railroad bonds, .... 50,000 00 54,500 00 

New York Elevated Railroad bonds, . . 20,000 00 22,600 00 

Kansas Pacific Railway bonds,. . . . 50,000 00 54,500 00 

Flint & Pere Marquette Railroad bonds, . . 30,000 00 36,000 00 

Chicago, Milwaukee & St, Paul R'y bonds, . 45,000 00 49,056 25 

Chicago, Burlington & Quincy R.R. bonds, . 28,000 00 26,907 50 

Norfolk & Western Railroad bonds, . . 5,000 00 6,150 00 

Cincinnati & Springfield Railroad bonds, . 19,000 00 21,850 00 

New York, Chicago & St. Louis R.R. bonds, . 30,000 00 29,325 00 

Milwaukee & St. Paul Railway bonds, . . 6,000 00 7,350 00 

St. Louis & Iron Mountain Railroad bonds, . 5,000 00 5,125 00 

Louisville, N. A. & Chicago R.R. bonds, . . 15,000 00 16,050 00 

Cin., Ind , St. Louis & Chicago R.R. bonds, . 30,000 00 28,200 00 

West Shore Railroad bonds, .... 100,000 00 103,575 00 



222 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Pennsylvania Company bonds, 
Central Railroad of New Jersey bonds, . 
Flint v\: lVi'e Marquette Railroad bonds, . 
St. Paul, Minnesota & Manitoba R'y bonds, 
New York eity bonds, .... 

100 shares Rensselaer & Saratoga Railroad 

240 " Rome, Watert'n & Ogdens 1 g R.R. 

200 " Chic, Burlington & Quincy R.R. 

210 " Chic., Rock Island & Pacific R.R. 

400 " Chicago & Nortwestern Railroad 
1,000 " N.Y., Central & Hudson Riv. R.R. 

200 " St. Paul, Minn. &ManitobaR , yCo. 

200 M Chicago & Northwestern R'y Co. 

191 " Syracuse, Bing. & N ew York R R. 

500 " CI eve., Cin., Chic. & St. Louis R'y 
75 " Metropolitan National Bank, 

150 " American Exchange NatU Bank, 
36 " Western National Bank, N. Y., 

150 " Bank of America, . 
1,000 " Consolidated Gas Company, N.Y. 

550 " Western Union Telegraph Co., 
30 " Central Trust Company, 



Securities held as collateral for cash loans 

5 shares Hanover National Bank, . 
50 " Central Trust Co. of New York, 
25 " Washington Trust Co. of New York 



Par Value. 

$36,000 00 

100,000 00 
30,000 00 
20,000 00 

385,000 00 
10,000 00 
24,000 00 
20,000 00 
21,000 00 
40,000 00 

100,000 00 
20,000 00 
20,000 00 
19,100 00 
50,000 00 
7,500 00 
15,000 00 
3,600 00 
15,000 00 

100,000 00 

55,000 00 

3,000 00 



Market Value. 

$38,970 00 

111,500 00 
30,000 00 
24,600 00 

401,750 00 
17,500 00 
26,640 00 
19,550 00 
17,377 50 
44,700 00 

108,750 00 
22,450 00 
28,300 00 
27,695 00 
46,500 00 
375 00 
23,700 00 
4,140 00 
33,000 00 

126,000 00 
52,800 00 
31,500 00 



$1,779,200 00 $1,997,781 25 



Market Value. Loaned Thereon. 

$1,685 00 $350 00 
52,500 00 
4,625 00 



51,250 00 



$58,810 00 $51,600 00 



Summary of Assets Dec. 31, 1892. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest accrued thereon, .... 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Premiums more than 3 months due, $15,001 76 

Gross assets, 

Deduct special deposits in other States, . 



Balance $2,517,365 44 



$250,000 00 

23,000 00 

96 66 

1,997,781 25 

51,600 00 

53,534 74 

41,877 31 

10,905 79 

172,194 69 



$2,600,990 44 
83,625 00 



* Value of lands mortgaged, . . 

Value of buildings thereon, 
Amount of Insurance held as collateral, 



$29,000 00 
31,500 00 
24,000 00 



1892.] INS. COS. OF OTHER STATES. 

Liabilities. 



223 



3es adjusted, unpaid, .... 
claimed and reported, . 

disputed or resisted, 

Total amount of losses, .... 

Less reinsurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 

Income. 
Fire premiums outstanding Dec. 31, 1891, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, etc., .... 



$74,948 47 
80,485 59 
25,157 00 

$180,591 06 
22,972 49 

$157,618 57 

1,009,240 75 

31,042 05 

$1,197,901 37 
32,237 90 



#1,165,663 47 

$1,351,701 97 
1,000,000 00 

$351,701 97 



Gross cash income, .... 

Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash, dividends paid, ..... 

Cash paid for commissions and brokerage, 

for salaries of officers and employee 
for State and local taxes, . 
for rent and incidentals, . 



$162,766 67 
10,664 08 

$152,102 59 
1,517,363 03 

$1,669,465 62 
187,196 45 

$1,482,269 17 
234,922 69 



sources, 



§1,247,346 48 

1,160 00 

90,458 84 

1,716 02 

$1,340,681 34 



$800,369 19 
65,567 69 



B, 



$734,801 50 
100,000 00 
227,576 12 
137,348 31 
34,271 07 
110,061 23 



Gross cash expenditures, . 



$1,344,058 23 



224 FIRE, MARINE, AND FIRE-MARIXE [Dec. 31, 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 



Risks and Premiums. 

rremiums. 

$190,542,107 00 $1>6,264 67 
147,909,077 00 1,517,363 03 



Total 

Deduct risks expired and terminated, 

In force at end of year, . 

Deduct amount re-insured, . ; 

Net amount in force, . 



$338,451,784 00 $3,423,627 70 
141,440,470 00 1,373,630 17 



197,011,314 00 $2,049,997 53 
7,417,442 00 69,372 95 



$189,593,872 00 $1,980,624 58 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Company's stock owned by directors, .... 



$25,145,441 CO 

13,943,181 00 

763,264 00 

2,209,500 00 

100,000 00 

116,900 00 



"HARTFORD FIRE INSURANCE COMPANY," HARTFORD, CONN. 

[Incorporated May, 1810. Commenced business August, 1810.] 

Paid-up Capital, $1,250,000. 

GEORGE L. CHASE, President. P. C. ROYCE, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Hartford Natl Bank, Hartford, . $55,600 00 $88,960 00 

Phcenix Nat'l Bank, Hartford, . 46,700 00 59,776 00 

Conn. River Banking Co., Hartfd, 5,000 00 5,000 00 

Farm, and Mech. N T, 1 B'k, Hartfd, 12,200 00 13,420 00 

City Bank, Hartford, . . . 16,600 00 17,430 00 

American Nat'l Bank, Hartford, . 15,000 00 22,800 00 

•Charter Oak N T, 1 Bank, Hartford, . 20,000 00 21,000 00 

Mercantile NatU Bank, Hartford, 15,000 00 15,000 00 

First National Bank, Hartford, . 17,200 00 18,404 00 

State Bank, Hartford, . . . 10,000 00 10,500 00 

.Etna National Bank, Hartford, . 31,500 00 45,675 00 

Natl Exchange Bank, Hartford, . 2,000 00 2,180 00 

Conn. Trust & Safe Dep. Co., Hart., 23,000 00 36,800 00 

Bank of America, N. Y., . . 30,000 00 65,400 00 

Bank of North America, N. Y., . 7,000 00 11,900 00 

Natl Bank of Commerce, N. Y , . 10,000 00 20,100 00 

Am, Exchange Nat 1 ] Bank, N. Y., 20,000 00 31,600 00 

Imp. and Trad. Natl Bank, N. Y., 30,000 00 187,500 00 



556 shares 


467 


it 


100 


M 


122 


(( 


166 


II 


300 


M 


200 


(i 


150 


II 


172 


II 


100 


it 


315 


II 


40 


II 


230 


(t 


300 


II 


100 


II 


100 


M 


200 


M 


800 


M 



1892.] 



INS. COS. OF OTHER STATES. 



225 



Tar Value. Market Value. 

200 shares Manhattan ( Jompany Bank, N. Y., $10,000 00 $19,500 00 

834 " Merchants' Xafl Bank, N. Y., . 16,700 00 25,050 00 

225 " Metropolitan NatM Bank, N. Y., . 22,500 00 1,350 00 

39 " Atlantic National Bank, Boston, . 3,900 00 5,226 00 

106 " Blaokstone Nat'l Bank, Boston, . 10,600 00 10,2*2 00 

125 " Boylston National Bank, Boston, . 12,500 00 16,375 00 

24 " Hide and Leather \ T, 1 IVk, Boston, 2,400 00 3,048 00 

32 " Nat'l Bank of Commerce, Boston, 3,200 00 4,096 00 

100 " First National Bank, Boston, . 10,000 00 24,000 00 

109 " Second National Bank, Boston, . 10,900 00 21,037 00 

50 " First National Bank, Albany, . 5,000 00 9,000 00 

150 " Bank of Montreal, Montreal, . 30,000 00 69,900 00 

65 " Ontario Bank, Bowman ville, . 6,500 00 7,605 00 

loo u Connecticut River Company, . 10,000 00 3,000 00 

20 »■ Connecticut River Railroad, . 2,000 00 5,100 00 

1,500 " N. Y., New Haw, & Hartfd R.U., 150,000 00 382,500 00 

660 " Chicago, Burl & Quincy R.R., . 66,000 00 64,350 00 

220 " Chic, Rock Island & Pacific B R., 22,000 00 18,480 00 

700 " Chicago & Northwestern Railroad, 70,000 00 83,450 00 

770 " Chic., Milwaukee & St. Paul R.R , 77,000 00 75,570 00 

200 " Union Pacific Railroad, . . 20,000 00 7,600 00 

1,000 " Conn. & Passumpsie Rivers R.R., 100,000 00 105,000 00 

500 " N. Y. Central & Hudson Riv. R.R., 50,000 00 54,500 00 

500 " Northwestern Telegraph Co , . 25,000 00 25,500 00 

Alabama State bonds, 10,000 00 10,200 00 

Georgia State bonds, .... 25,000 00 26,250 00 

South Carolina State bonds, . . . 14,500 00 14,500 00 

Toledo, Ohio, Water Works bonds, . . . 20,000 00 20,300 00 

New Brunswick, N. J., city bonds, . . . 45,000 00 46,500 00 

Pawtucket, R. I., town bonds, .... 75,000 00 79,500 00 

Dubuque, Iowa, city bonds, .... 25,000 00 26,250 00 

Richmond, Va., city bonds, . . . 50,000 00 51,250 00 

Harlem River & Port Chester Railroad bonds, 50,000 00 62,500 00 

Chicago & Western Indiana Railroad bonds, . 292,000 00 339,330 00 

Minneapolis Union Railway bonds, . . . 50,000 00 58,000 00 

Cleveland, Colorado, Cin. & Indiana bonds, . 58,000 00 67,230 00 

Nashville & Decatur bonds 50,000 00 57,500 00 

Indianapolis & Vincennes Railway bonds, . 32,000 00 38,080 00 

Chicago & Northwestern Railroad bonds, • 50,000 ( 52,000 00 

Albany & Susquehanna Railroad bonds, . . 50,000 00 58,500 00 

Northern Pacific Railroad bonds, . . . 62,000 00 73,160 00 

New York Cent. & Hudson River R.R. bonds, 50,000 00 53,500 00 

West Shore Railroad bonds, .... 100,000 00 103,500 00 

Chicago, Burlington & Quincy R.R. bonds, . 50,000 00 50,500 00 

New York & New England Railroad bonds, . 50,000 00 61,000 00 

City of Indianapolis Belt Railroad bonds, . 74,000 00 78,440 00 

Pittsburg, Cincinnati & St. Louis R.R. bonds, . 100,000 00 113,000 00 

Louisville, Frankfort & Lexington R.R. bonds, 70,000 00 76,300 00 



226 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cincinnati, [nd., St. Louis & Chic. R.R. bonds, 

Detroit, Lansing & Northern Railroad bonds, 

Jefferson Railroad bonds,. 

Dayton & Michigan Railroad bonds, 

St. Louis & San Francisco Uyand land bonds 

N. Y., Lake Erie & Western Railroad bonds, 

Milwaukee & St. Paul Railroad bonds, . 

Iowa Falls and Sioux city bonds, 

Cincinnati, Hamilton & Dayton R.R. bonds, 

Canadian Pacific Railway bonds, 

Montreal Corporation bonds, . 

Chicago & Great Western Railroad bonds, 

Lake Shore & Michigan Southern U.K. bonds 

Lehigh Valley Railroad bonds, 

St. Paul, Minn., certificates, 

Topeka, Kan., internal imp. sewer bonds, 

Chicago, Burlington & Quincy U.U. bonds, 

Philadelphia & Ueading Uailroad bonds, 

Housatonic Uailroad certificates, 



Securities held as collateral for cash loans 

W ribash, St. Louis & Pacific Railroad bonds, 
Peoria & Pekin Union Railroad bonds, . 
37 shares iEtna Fire Insurance Company, 
60 " Cleveland & Pittsburg Railroad, 
20 " Wells Fargo Express Company, 
Warehouse receipts, 



Par Value. 

1103,000 00 
50,000 00 
50,000 00 
50,000 00 
50,000 00 
50,000 00 
63,000 00 
60,000 00 
55,000 00 
48,666 00 
62,500 00 
22,000 00 
50,000 00 
75,000 00 
40,000 00 
27,000 00 
6,600 00 
75,000 00 
100,000 00 



Market Value. 

5115,360 00 
51,000 00 
52,000 00 
54,000 00 
55,000 00 
56,000 00 
74,970 00 
76,200 00 
67,100 00 
57,750 00 
65,625 00 
22,880 00 
62,500 00 
83,250 00 
40,200 00 
27,810 00 
6,996 00 
79,875 00 
102,500 00 



$3,593,266 00 $4,483,570 00 

Market Value. Loaned Thereon. 



$24,000 00? $20i00000 
24,000 00 S 

6,000 00 

I ' 4,000 00 



9,250 00 6,000 00 

4,500 00 
2,800 00 
60,500 00 50,201 57 



$125,050 00 $80,201 57 



Summary of Assets Dec. 31, 1892. 
Cash value of unencumbered real estate, . . $366,575 60 
Loans on mortgage of real estate (first liens*), 1,231,500 00 



Interest due or accrued thereon, 


17,954 05 


Stocks and bonds, as per schedule, . 


4,483,570 00 


Loans on collateral security, as per schedule, . 


80,201 57 


Cash in the office of the company, . 


19,106 40 


Cash deposited in bank, 


237,971 76 


Interest due and accrued, 


1,616 82 


Premiums in course of collection (gross), 


691,954 52 


Rents due and accrued, 


1,336 18 


Non-resident tax due, 


16,777 95 


Gross assets, 


$7,148,564 85 


Deduct special deposits in other States, . 


396,066 00 








. $1,250,000 00 


Value of buildlngH thereon, .... 


. 2,26*2,325 00 


Amount of iusurance held as collateral, . 


816,478 00 



_>.] INS. COS. OF OTHER STATES. 

Liabilities. 



227 



Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, . 



$81,837 29 

251,725 49 

47,123 64 

2,745,938 11 

103,793 17 



$3,230,417 70 
163,635 40 



$3,066,782 30 



. $3,685,716 55 
Paid-up capital, 1,250,000 00 

Surplus over capital, $2,435,716 55 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Same not collected, 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, .... 



Gross cash income, 



$585,147 57 
1,306 64 

$583,840 93 
4,273,950 61 

$4,857,791 54 
691,954 52 

$4,165,837 02 
673,267 10 



sources, . 



$3,492,569 92 

74,188 14 

212,070 71 

8,590 32 



$3,787,419 09 



Expenditures. 

Cash paid for fire losses, $2,286,517 24 

Deduct salvage and re-insurance, . . . 184,851 21 

Net cash paid for fire losses, .... $2,101,666 03 

Cash dividends paid, 300,000 00 

Cash paid for commissions and brokerage, .... 574,228 69 

for salaries of officers and employees, . . . 235,353 06 

for State and local taxes, 64,122 86 

for incidentals, 262,564 48 



Gross cash expenditures, . 



. $3,537,935 12 



-228 FIRE, MARINE, AND FIRE-MARIXE [Dec. 31, 



Fire risks outstanding Dec 31, 1891, 
Tire risks written during 1892, 



Risks and Premiums. 

Premiums. 

$426,548,179 00 $5,019,602 25 
339,983,824 00 4,273,950 61 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$766,532,003 00 $9,293,552 86 
287,231,316 00 3,473,599 3-4 



$479,300,687 00 $5,819,953 52 
18,148,784 00 267,693 05 



$461,151,903 00 $5,552,260 47 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (24 per cent,), 

Company's stock owned by directors, 



$68,144,647 00 

41,422,647 00 

2,153,046 00 

7,088,100 00 

300,000 00 

208,900 00 



"HOME INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April, 1853. Commenced business April 13, 1853.] 
Paid-up Capital, $3,000,000. 



DANIEL A. HEALD, President: 



WILLIAM L. BIGELOW, j Secretarie8 , 
THOMAS B. GREENE, > 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $275,000 00 $314,875 00 

District of Columbia bonds, . . . ' . 1,000,000 00 1,145,000 00 

Mississippi bonds, 20,000 00 20,000 00 

State of Georgia bonds, . ' . . ' . . 25,000 00 25,625 00 

New York city bonds 500,000 00 507,500 00 

City of Richmond, Va , bonds, .... 50,000 00 55,000 00 

Topeka City, Kan., internal imp. bonds, . . , 155,530 04 161,751 24: 

City of Council Bluffs, Iowa, imp. bonds, . 27,500 00 28,325 00 

Nebraska City, Nebraska, imp. bonds, . . 19,000 00 20,330 00 

Kansas City, Kan., improvement bonds, . . 9,500 00 9,785 00 

City of Greely, Col., water bonds, . . . 25,000 00 25,750 00 

Atchison, Kan., improvement bonds, . . 10,000 00 10,500 00 

Weal Chicago Park warrants, .... 50,648 50 50,648 50 

New York, 1,. Erie .v Western H.R. bonds, . 200,000 00 230,000 00 

New York, Chicago & St. Louis B.R. bonds, . 112,000 00 109,200 00 

New York Cent. & Hudson Hiv. U.K. bonds, . 100,000 00 125,000 00 

New York & Harlem Railroad bonds, . . 100,000 00 119,000 00 



1892.] 



INS. COS. OF OTHER STATES. 



229 



Valley Railway Company of Ohio bonds, 
Ohio & West Virginia Railway bonds, . 
Peoria, Decatur & Evansville Kail way bonds, 
Clove., Col., Cm. & Indianapolis R.R. bonds, 
Louisville, New Albany & Chic. R'way bonds 
West Shore Railway bonds, 
Albemarle & Chesapeake Canal Co. bonds, 
Toledo, Ann Arbor & Grand Trunk R'y bonds 
Jeffersouyille, Madison & Ind. R.R. bonds, 
Toledo, Ann Arbor & Cadillac R'way bonds, 
Dunkirk, Warren & Pittsburgh R'way bonds, 
Chicago, St. Paul, Minn. & Omaha R'y bonds, 
Alabama Central Railroad bonds, . 
Louisville, St. Louis & Texas Railway bonds, 
Savannah £ Western Railroad bonds, 
Virginia Midland Railway bonds, . 
Standard Gas Company bonds, 
Des Moines Water Works Co. of Iowa bonds, 
Denver Water Company bonds, 
Streator, 111., Aqueduct Company bonds, . 
2,000 shares Pennsylvania Railroad Co., . 
1,000 " Fort Wayne & Jackson R.R, 
1,000 u Chic, St. P., Minn. & Omaha R'y 
1,000 " N. Y. Cent. & Hud. Riv. R.R., 
1,000 " Rensselaer & Saratoga R.R., 
821 " United N. Jersey R.R. & Canal Co. 
800 " Morris & Essex Railroad, . 
500 " Lake Shore & Mich. South. R'y, 
500 " Standard Gas Light Company, 
400 " National Broadway Bank, . 
200 " American Ex. Nat'l Bank, N. Y , 
200 " Mercantile National Bank, N.Y., 
200 " Bank of America, N. Y., 
200 " Nat'l Bank of Commerce, N. Y., 
200 " Manhattan Company, N. Y., 
200 " Merchants 1 Ex. Nat'l Bank, N. Y 
200 " Nassau Bank, . 
200 " Chatham National Bank, N. Y., 
200 " Nat'l Butch's' & Drov's' B'k, N Y. 
100 " Hanover National Bank, N. Y., 
100 " National Bank of the Republic, 
100 " Fourth National Bank, N. Y., 
200 " Holland Trust Company, 
200 " Franklin Trust Co., Brooklyn, 
50 " Metropolitan Trust Company, 
45 " Long Island Loan and Trust Co., 



Par Value. 

$100,000 00 

100,000 00 

100,000 00 

100,000 00 

100,000 00 

100,000 00 

110,000 00 

100,000 00 

102,000 00 

100,000 00 

75,000 00 

50,000 00 

50,000 00 

50,000 00 

50,000 00 

50,000 00 

50,000 00 

50,000 00 

25,000 00 

10,000 00 

100,000 00 

100,000 00 

100,000 00 

100,000 00 

100,000 00 

82,100 00 

40,000 00 

50,000 00 

50,000 00 

10,000 00 

20,000 00 

20,000 00 

20,000 00 

20,000 00 

10,000 00 

10,000 00 

10,000 00 

5,000 00 

5,000 00 

10,000 00 

10,000 00 

10,000 00 

20,000 00 

20,000 00 

5,000 00 

4,500 00 



Market Value. 

$85,000 00 

115,000 00 

106,000 00 

133,500 00 

114,500 00 

101,750 00 

121,000 00 

116,500 00 

119,340 00 

99,000 00 

87,000 00 

59,750 00 

50,000 00 

47,250 00 

34,000 00 

40,000 00 

50,000 00 

51,500 00 

22,500 00 

10,000 00 

109,000 00 

115,000 00 

117,000 00 

108,750 00 

170,000 00 

188,830 00 

61,600 00 

64,000 00 

42,500 00 

27,000 00 

31,200 00 

46,000 00 

43,400 00 

39,800 00 

19,100 00 

13,100 00 

17,400 00 

2L,150 00 

9,350 00 

34,000 00 

17,500 00 

20,000 00 

36,000 00 

60,000 00 

15,000 00 

10,935 00 



1,082,778 54 $5,959,494 74 



230 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans : — 

Lake Shore ft Eastern R.R. bonds, 
Louisville, St L iris A Texas B R. bonds, 
90 shares Laclede Gas Company, . 

100 Bhan - S ad National Bank. X. Y.. . 
Dakota A Great Southern R.R. bond, 
Des Moines & Fort Dodge Railroad bonds, 
W >tern Union Telegraph bond, 
Cleveland vv. Canton Railroad bond, 
Houston & Texas Central Railroad bond. 

edo, Aun Ari or ft Grand Trunk R.R bond 
New Haven ft Northampton R.R. bond, . 
S ttle. Lake Shore & Eastern R.R bonds, 
11 shares Nassau Ferry Company, . 
Louisville «£- Nashville Railroad bond, 

I -hares Wells, Fargo & Co. Express, 
6 " Naugatuck R.R Company, 
Chatham National Bank, 
Dakota & Great Southern R.R. bond, 
5 shares American Express Company, 
Albemarle & Chesapeake Canal Co. bonds, 

shares Pullman Palace Car Company, 
500 " Canada Southern Railway Co., 
200 " Wheeling & Lake Erie Railroad, 
100 " Western Union Telegraph Co , 

Wabash Railroad bonds 

Des Moines & Fort Dodge Railroad bonds, 
shares Great Northern Railway, 

• N. Y.. New Haven ft Hart. R.R , 

25 " United X. Jersey R.R. & Canal Co. 
Central Pacific Railroad bonds, 
Lake E ie v\: Western R.R. bonds, . 
Chicago, Burlington & Quincy R R. bonds, 
City of St. Louis R.R. bonds, . 
10 shares National Park Bank, 

8 " Morris & Essex Railroad, . 

o " Wheeling & Lake Erie Railroad, 



Market Value. 

£5,880 00 
4.725 00 
2,130 00 

32.500 00 
1,060 00 

29,150 00 
1.1' 

940 00 
1,020 00 
1,165 00 
1,160 00 
2,520 00 
1.650 00 
1,100 00 
1,410 00 
1,200 00 

52,875 00 

1,060 00 

585 00 

4,400 00 

39,200 00 

28,125 00 

12,600 00 
9,500 00 

36,000 00 
5,300 00 

81,000 00 

17,085 00 
5,750 00 
5,550 00 
5,537 50 
6.125 00 

57,680 00 

3,000 00 

616 00 

315 00 



Loaned Thereon. 

> $10,000 00 

15,000 00 
800 00 

25,000 00 
500 00 
700 00 

i 2,500 CO 

I 2,700 00 

500 00 
I 2,000 00 

27,000 00 

200 00 

400 00 

3,000 00 

r 100,000 00 

I 



j 



4,000 00 



} 100,000 00 



50,000 00 
2,500 00 

500 00 



$461,013 50 $347,300 00 



SCMMARY OF ASSETS DEC. 31, 1892.* 

Cash value of unencumbered real estate, . £ 1,554,689 80 

Loans on mortgage of real estate (first liensf), 611,032 35 



* The company holds, also, instalment premium notes to the amount of $542,3^4.29, -which 
do not enter into nor form any part of the assets of the company, as no portion of them is earned. 
Whatever value is attached to them would necessarily be counterbalanced by the addition of an 
exactly equal amount to the re insurance liability, the entire sum consisting of " unearned pre- 
miums." 

Value of lands mortgaged $997,235 00 

Value of buildings thereon 609,695 00 

Amount of insurance held as collateral, . . . 369,650 00 



1892.] 



INS. COS. OF OTHER STATES. 



231 



Interest due and accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
( 'ash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, .... 
Premiums more than 8 months due, $3,994 93 
Bills receivable matured, . . . 599 70 



$4,59-4 63 

Gross assets, 

Deduct special deposits in other States, . 



$10,888 95 

5,959,494 74 

347,300 00 

243,279 55 

16,438 45 

905,263 09 

7,558 96 



$9,655,945 89 
137,875 00 



Balance, $9,518,070 89 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less re-insurance and salvage, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 
Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, . 



Surplus as regards policy-holders, . 
Paid-up capita], 

Surplus over capital, . . . . 



$141,587 52 

768,453 88 

42,216 13 



$952,257 53 
315 003 00 



$637,254 53 

4,438,282 00 

137,729 89 

98,494 72 



$5,311,761 14 
95,247 36 



5,216,513 78 



. $4,301,557 11 
. 3,000,000 00 



. $1,301,557 11 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 



$854,952 74 
414 29 



$854,538 45 
6,124,175 00 



1,978,713 45 
912,822 05 



$6,065,891 40 
1,343,886 01 



$4,722,005 39 



232 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Marine premiums outstanding Dec. 31, 1892, . $21,927 56 
Premiums on risks written or. renewed, . . 233,415 25 

Total, $255,342 81 

Premiums now in course of collection, . . 35,065 92 

Entire premiums collected, .... $220,276 89 
Less re-insurance and return premiums, . . 43,629 34 

Net cash marine premiums received, 
Interest received on mortgages, .... 
Interest and dividends received from all other sources, 
Income from rents, 



Gross cash income, 



$176,647 55 

42,799 30 

283,598 36 

111,989 11 



$5,337,039 71 



151,788 54 
28,545 87 



Expenditures. 

Cash paid for fire losses, $3,917,881 97 

Deduct salvage and re-insurance, . . . 782,851 54 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 

Risks and Premiums. 



$3,135,030 43 



123,242 67 

300,000 00 

992,951 32 

447,918 81 

80,834 42 

375,589 66 



$5,455,567 31 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

.Marine risks outstanding Dec. 31, 1891, 
Marine risks written during 1892, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$833,981,701 00 

.679,320,904 00 

$1,513,302,605 00$ 

.620,156,715 00 



$893,145,890 00 
. 72,975,617 00 



Premiums. 

$8,099,670 00 

6,124,175 00 

14,223,845 00 

5,413,312 00 

$8,810,533 00 

482,175 00 



$820,170,273 00 $8,328,358 00 



$5,760,915 00 
60,827,566 00 



$66,588,481 00 
59,992,251 00 



$6,596,230 00 
68 1,000 00 



$125,214 00 
233,415 25 

$358,659 25 
199,377 25 

$159,282 00 
18,237 00 



$5,915,230 00 $141,015 00 



1802.] 



INS. COS. OF OTHER STATES. 



233 



Miscellaneous. 
Premiums received frora organization of company, 
Lasses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.),. 
Company's stock owned by directors, .... 



$96,018,073 00 

57,730,714 00 

3,085,758 00 

98,894 00 

8,815,000 00 

300,000 00 

194,400 00 



"PRESIDENT AND DIRECTORS OF THE INSURANCE COMPANY 
OF NORTH AMERICA," PHILADELPHIA, PA. 

[Incorporated April 14, 1794. Commenced business 1792.] 

Paid-up Capital, $3,000,000. 

CUARLES PLATT, President. GREVILLE E. FRYER, Secretary. 

Detailed Statement of Stocks and Bonds. 

Tar Value. Market Value. 

Boston city bonds $110,000 00 $112,200 00 

Richmond, Va., city bonds, .... 50,000 00 49,000 00 

Georgia State bonds 25,000 00 28,000 00 

Baltimore water bonds, 200,000 00 202,000 00 

Indianapolis city bonds, 30,000 00 30,600 00 

Toledo city bonds 21,000 00 21,420 00 

Cincinnati city bonds, 39,000 00 44,070 00 

Belgian government bonds, .... 49,000 00 49,000 00 

Fall River city bonds, 30,000 00 30,300 00 

Providence city bonds, 25,000 00 26,500 00 

Cleveland city bonds, 30,000 00 30,900 00 

Burlington city bonds 12,000 00 13,080 00 

East Lincoln, 111., bonds, 10,000 00 10,000 00 

City of Montreal bonds, 111,000 00 111,000 00 

Pennsylvania Railroad bonds, .... 430,000 00 4*7,600 00 

Philadelphia & Reading Railroad bonds, . . 505,000 00 598,187 50 

North Pennsylvania Railroad bonds, . . 80,000 00 99,250 00 

Belvidere & Delaware Railroad bonds, . . 50,000 00 55,000 00 

Pennsylvania & N. Y. Canal and R.R. bonds, . 80,000 00 87,500 -00 

Lehigh Valley Railroad bonds, . . . 381,000 00 445,120 00 

Delaware Division Canal bonds, . . . 15,000 00 15,000 00 

French rentes 5,800 00 5,800 00 

Lehigh Coal and Navigation Company bonds, 55,000 00 57,500 00 

Easton & Am boy Railroad Company bonds, . 100,000 00 109,500 00 

Philadelphia & Erie Railroad bonds, . . 150,000 00 171,000 00 

Chicago & Western Indiana Railroad bonds, . 101,000 00 106,050 00 

Northern Central Railway bonds, . . . 12,000 00 14,160 00 

Pitts., McKeesp't & Youghiogheny R.R. bonds, 50,000 00 60,000 00 

The Belt Railroad & Stock Yard Co. bonds, . 50,000 00 53,500 00 

Bergen Couuty Railroad bonds, . . . 50,000 00 55,000 CO 

Car Trust of New York bonds, . . . 46,000 00 43,700 00 



234 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Now York & Long Branch Railroad bonds, 
100 shares Philadelphia National Bank, . 
20 " Philadelphia Bourse, 
228 " Chesapeake & Delaware Canal Co. 
Atlantic Mutual Insurance scrip, 
Philadelphia & Baltimore Central R.R. bonds 
Delaware & Chesapeake Railroad bonds, 
New York, Lake Erie & Western R.R. bonds 
Steubenville & Indiana Railroad bonds, . 
Corning, Cowanesque & A. Railroad bonds, 
Terre Haute & Logansport Railroad bonds, 
Texas & Pacific Railway bonds, 
Louisville & Nashville Railroad bonds, . 
New Y r ork, West Shore & Buffalo R.R. bonds 
San Antonio & Aransas Pass. Railway bonds, 
Wrecking Boat " North America, 11 bonds, 
Canada. & Atlantic Railroad bonds, . 
Jefferson Railroad bonds, 
McKeesport & Belle Vernon Railroad bonds, 
Baltimore Belt Railroad bonds, 
Elizabeth Railroad of Austria, 
Tioga Railroad bonds, .... 
Cincinnati, Hamilton & Dayton Railroad bonds, 



Par Value. 

$150,000 00 

10,000 00 

1,000 00 

11,400 00 

12,380 00 

100,000 00 

100,000 00 

231,000 00 

200,000 00 

46,000 00 

50,000 00 

14,000 00 

72,000 00 

25,000 00 

20,000 00 

40,000 00 

20,000 00 

30,000 00 

20,000 00 

30,000 00 

40,000 00 

5,000 00 

50,000 00 



Market Value. 

$160,500 00 

2 >,000 00 

1,000 00 

250 00 

12,380 00 

103,000 00 

92,500 00 

248,790 00 

208,000 00 

46,000 00 

50,000 00 

14,700 00 

80,640 00 

25,750 00 

14,000 00 

40,<'00 00 

19,000 00 

50,600 00 

24,000 00 

30,600 00 

40,000 00 

5,000 00 

47,000 00 



$4,180,580 00 $1,535,647 50 



Securities held as collateral for cash loans 

27 shares Pennsylvania Railroad, . 
2 " Penn. Co. for Insurance on Lives, 
1 " United Companies of New Jersey 
250 " Real Estate Trust Company, . 
30 M Philadelphia Mortgage Co., . 
20 " Ins. Co. of N. America, $460 00 
60 " Lehigh Valley Railroad, . 
100 " Lehigh Navigation Company, 
500 " Pennsylvania Railroad, . 
10 " Fifteenth & Sixteenth Sts. R'y, 
20 u Philadelphia Passenger R'y Co , 
200 " Philadelphia Traction Company, 
200 " Northern Pacific Railroad, 
Philadelphia & Reading Railroad, . 
Atlantic City Railway bonds, . 
Philadelphia, Reading & New England bonds 
Reading & New Kngland Railroad bonds, 

60 shares Penn Co. for Insurance on Lives, 
2,800 " Lehigh Valley Railroad, 

50 " Northern Pennsylvania Railroad, 
Philadelphia, Reading & New England R.R., . 



Market Value. 

$1,539 00} 

1,000 00 > 

225 00^ 

22,500 00 
3,000 00 > 

3,435 00} 
5,300 00 > 
27,250 00' 
2,000 00^ 
3,000 00 I 



Loaned Thereon. 

$2,000 00 

15,000 00 
3,000 00 

30,000 00 



18,000 00 



9,300 00 i 

31,600 00 j 

2,000 00 J 

3,800 00 

32,000 00 

25,000 0) 

160,300 00 

4,250 00 

1,520 00 



} 55,000 00 



3,000 00 

25,000 00 

20,000 00 

140,000 00 

4,660 00 



$ 357,01 9 00 $297,660 00 



181)2.] 



INS. COS. OF OTHER STATES. 



235 



Summary of Assets Dec. 31, 1892. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stoeks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Bills receivable, 

Gross assets, 

Deduct special deposits in other States, . 

Balance, 

Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, . 
Less re-insurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Commissions and brokerage, . 

Re-insurance, 

Bills payable, 

Gross liabilities, except capital, 
Deduct liability on special deposits, . 

Surplus as regards policy-holders, 
Paid-up capital, .... 

Surplus over capital, . 



$307,000 00 

2,734,586 06 

25,428 45 

4,535,647 50 

297,660 00 

778,728 40 

897,942 66 

148,397 09 

78,258 24 



1,803,648 40 
177,000 00 



. $9,626,648 40 



$103,972 72 

501,714 94 

20,737 62 



$626,425 28 
145,094 44 

$481,330 84 

3,113,509 71 

765,734 64 

36,000 00 

70,600 29 

5,106 94 

$4,472,282 42 

100,913 41 
4,371,369 01 



. $5,255,279 39 
. 3,000,000 00 

. $2,255,279 39 



Income 

Fire premiums outstanding Dec. 31, 1891 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 



$512,713 96 
4,427,238 71 

$4,939,952 67 
565,761 34 

$4,374,191 33 
654,530 95 



$3,719,660 38 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$7,253,712 00 
2,479,092 00 



236 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Marine premiums outstanding Dec. 31, 1891, 
Premiums od risks written or renewed, . 

Total 

Premiums now in course of collection, 

Entire premiums collected, 

J. ess reinsurance and return premiums, 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from perpetual deposits, 

Deposits received for perpetual fire risks, 

Gross cash income, .... 



Expenditures 
Cash paid for fire losses, . 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, . 
Cash paid for marine and inland losses, 
Deduct salvage and re-insurance, 
Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 
Deposits returned on perpetual fire risks, 

Gross cash expenditures, . 



$365,672 05 
2.731,938 01 

18,097,610 <>6 

480,578 41 

12,617,031 65 

758,176 37 



sources, . 
$34,045 69 



$1,858,855 28 

160,728 29 

238,157 83 

6,528 91 



. $5,973,930 69 



§2,385,673 26 

118,977 65 

$2,212,740 94 

796,972 57 



$2,266,695 61 



1,415,768 37 

360,000 00 

955,534 26 

279,923 31 

107,792 04 

301,505 62 



$27,516 78 



. $5,687,219 21 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 



Risks and Premiums. 

Premiums. 

$547,190,021 00 $5,148,920 76 
543,001,201 00 4,427,238 71 



$1,090,191,222 00 $9,576,159 47 
475,186,031 00 3,905,883 02 



Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force,. . . . $591,32 1,066 00 $5,435,997 53 
Perpetual risks in force (not included above), 33,016,184 00 840,100 87 



$615,005,191 00 $5,670,276 45 
23,681,125 00 234,278 92 



Marine risks outstanding Dec. 31, 1891, 
Marine risks written during 1892, . 

Total 

Deduct risks expired and terminated, 

In force at cud of year, 



$17,974,985 00 $295,688 96 
436,244,207 00 2,731,938 01 



$454,219,192 00 $3,027,626 97 
438,876,546 00 2,7<>3,745 77 



115,342,646 00 $323,881 20 



18^2.] 



INS. COS. OF OTHER STATES. 



237 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 

Fire losses incurred during the year, 
Marine and inland losses incurred during the } T ear, 
Cash dividends declared from organization of company 
Dividends declared during the year (12 per cent.), 
Company's stock owned by directors, 



$104,395,212 00 
73,372,690 00 
2,282,700 00 

1,397,068 00 

12,213,934 00 

360,000 00 

128,550 00 



"INSURANCE COMPANY OF THE STATE OF PENNSYLVANIA, 1 ' 

PHILADELPHIA, PA. 

[Incorporated April 18, 1794. Commenced business Nov. 5, 1794.] 
Paid-up Capital, $200,000. 
GEO. G. CROWELL, President. A. B. EARLE, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

20 shares Philadelphia National Bank, . . $2,000 00 $4,160 00 

Philadelphia & Reading Railroad Co. bonds, . 13,000 00 12,465 00 

Harrisburg, Ports., Mt, Joy & Lan. R.R. bonds, 15,000 00 16,050 00 

Car Trust of New York bonds, . . . 8,000 00 8,000 00 

Wabash Railroad hoods, 14,000 00 11,200 00 

Chicago & Western Indiana Railroad bonds, . 11,000 00 12,430 00 

Corning, Cowan esque & Antrim R.R. bonds, . 10,000 00 10,400 00 

Shamokin, Sunbury & L. Railroad bonds, . 10,000 00 10.400 00 

Terre Haute & Logansport Railroad bonds, . 20,000 00 21,000 00 

Steuben ville & Indiana Railroad bonds, . . 30,000 00 32,100 00 

Long Dock Company bonds, .... 10,000 00 12,200 00 

Pittsburgh Junction Railroad bonds, . . 10,000 00 12,000 00 

St. Paul & Northern Pacific Railroad bonds, . 10,000 00 12,100 00 

Sunbury, H. & Wilkesbarre Railroad bonds, . 4,000 00 4,160 00 

Northern Central Railroad bonds, . . . 10,000 00 10,800 00 

City of Quincy bonds, 10,000 00 10,500 00 

Syracuse, Geneva & C. Railroad bonds, . . 8,000 00 8,960 00 

Orient Mutual Insurance Company scrip, . 8 19 8 19 



Securities held as collateral for cash loans : — 

100 shares Southern Cotton Oil Company, 
30 " Phila. Mortgage and Trust Co., 
81 " Insurance Co. of North America, . 



$195,008 19 $208,933 19 



Market Value. Loaned Thereon. 

$5,000 00) 
3,000 00 > $8,000 00 
1,822 50' 



>,822 50 |8,000 00 



238 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec. 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, 
Rents due and accrued, .... 

Re-insurance, etc., 

Gross assets, 



31, 1892. 

$325,121 00 

75,000 00 

1,227 16 

208,933 19 

8,000 00 

586 72 

81,831 58 

161 33 

37,752 07 

1,963 25 

10,886 16 

12,464 05 



$763,926 51 



Liabilities. 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Due for borrowed money, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, . . . 



$39,968 00 

237,501 46 

194,255 76 

25,000 00 

4,924 18 



Surplus over capital, . 



501,649 40 

$262,277 11 
200,000 00 

$62,277 11 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Income from all other sources, 

Deposits received for perpetual fire risks, 



$32,282 77 
445,358 27 

$477,641 04 
37,752 07 

$439,888 97 
107,047 45 



sources, 



$332,841 52 

4,983 71 

9,538 98 

13,105 86 

857 96 



$14,142 62 



Gross cash income, $361,328 03 



* Total value of property mortgaged, 
Amount of insurance held as collateral, . 



$155,000 00 
49,300 00 



1892.] 



INS. COS. OF OTHER STATES. 



239 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 
Net cash paid for five losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, .... 

Risks and Premiums. 



$285,537 37 
53,120 11 



§8,443 23 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 



. $46,868,687 00 
. 42,114,316 00 



. $88,983,003 00 
. 39,982,131 00 



. $49,000,872 00 
. 5,727,976 00 



$232,417 26 
20,000 00 
66,818 99 
17,399 77 
8,288 75 
20,335 16 



$365,259 93 



I'remiums. 

M79,125 62 
445,358 27 



$924,483 89 
388,652 27 



$535,831 62 
65,897 62 



Net amount in force, $43,272,896 00 $469,934 00 

Perpetual risks in force (not included above), 6,615,954 00 212,301 36 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (10 j>er cent.), 

Company's stock owned by directors, 



$19,936,602 00 

15,901,474 00 

233,770 00 

4,246,406 00 

20,000 00 

25,600 00 



"LUMBERMEN'S INSURANCE COMPANY," PHILADELPHIA, PA. 

[Incorporated June 2, 1873. Commenced business Dec. 11, 1873.] 
Paid-up Capital, $250,000. 
LEWIS DAVIS, President. OLIVER H. HILL, Secretary. 

Detailed Statement of Stocks and Bonds. 

• Par Value. Market Value. 

Susquehanna Coal Company bonds, . . . $12,000 00 $14,160 00 

Shamokin Valley & Pottsville R.R. bonds, . 7,000 00 8,330 00 

Pleasantville & Ocean City Railroad bonds, . 10,000 00 10,300 00 

Steubenville & Indiana Railroad bonds, . . 15,000 00 16,125 00 

Richmond & Danville Railroad bonds, . . 5,000 00 5,150 00 

Huntingdon & Broad Top Car Trust certificates, 5,000 00 5,125 00 

Philadelphia & Reading Railroad bonds, . . 5,000 00 4,287 50 

Summit Branch Railroad bonds, . . . 10,000 00 10,550 00 

Camden & Atlantic Railroad bonds, . . 7,000 00 7,350 00 



240 FIRE, MARINE, AXD FIRE-MARINE [Dec. 31, 



Mortgage Trust Company of Pa, bonds, . 

Chicago, Rock [aland & Pacific R.R. bonds, 

Lehififh Valley Railroad Company bonds, 

Car Trust of New York certificates,. 

Northern Pacific Railroad bonds, 

Grand Rapids & Indiana Railroad bonds, 

W'c-t Jersey Railroad bonds, . 

Western Pennsylvania Railroad bonds, . 

Chicago, St. Louis & Pittsburg R.R. bonds, 

Master Builders 1 Exchange bonds, . 

West Jersey Railroad bonds, . 

Sunbury, Hazleton & Wilkesbarre R.R. bonds 

Shamokin, Sunbury & Lewis. Railroad bonds, 

Pennsylvania Steel Company bonds, 

Lehigh Valley Railroad Company "bonds, 

Texas & Pacific Railroad bonds, 

Ohio River Railroad bonds, 

Cin., Richmond & Fort Wayne R.R. bonds, 

Detroit, Bay City cv. Alpena Railroad bonds, 

Cambria & Clearfield Railroad bonds, 

Duluth Street Railway Company bonds, . 

St. Louis Merchants' Bridge Company bonds, 



Securities held as collateral for cash loans : — 



165 shares Minn. Title Ins. and Trust Co., 
45 * " 13th & loth St. Pass. Railway, 
97 " Consolidation National Bank,. 

200 " Columbus & Xenia Railroad, . 

Pitts., Cin. & St. Louis Railroad bonds, . 

84 shares Citizens 1 Passenger Railway, . 

Car Trust of New York bonds, 

Manufacturers 1 Club bond, 

Mortgage assigned, 

100 shares Cambria Mining and Manuf. Co., 



J 



Par Value. 

$15,000 00 
10,000 00 
10,000 00 
20,000 00 

1,000 00 
10,000 00 

3,000 00 

5,000 00 
10,000 00 
10,000 00 
20,000 00 

8,500 00 
10,000 00 
10,000 00 
28,000 00 
11,000 00 

5,000 00 
30,000 00 
10,000 00 
10,000 00 
20,000 00 
10,000 00 



.Market Value. 

1 15,875 00 

10,250 00 

13,500 00 

18,960 00 

1,030 00 

7,000 00 

3,510 00 

5,075 00 

11,000 00 

10,125 00 

31,200 00 

8,818 75 

10,400 00 

10,500 00 

31,160 00 

8,470 00 

5,000 00 

35,550 00 

7,000 00 

10,500 00 

18,000 00 

10,500 00 



$348,500 00 $364,301 25 



Market Va'ue. 

#16,500 00 

9,540 00 

6,402 00 

16,000 00* 

9,360 00 

22,400 00 



Loaned Thereon. 

$13,000 00 
5,000 00 
6,000 00 
8,000 00 
8,000 00 
4,000 00 



14,500 00 10,000 00 



,702 00 $54,000 00 



Summary of Assets Dec. 31, 1892. 

Cash value of unencumbered real .estate, . $69,050 00 

Loans on mortgage of real estate (first liens*), 387,760 00 

Interest due or accrued thereon, . . . 7,192 62 

Stocks and bond-, as per schedule, . . . 364,301 25 

Loans on collateral security, as per schedule, . 54,000 00 

Cash in the office of the company, . . . 182 67 

Cash deposited in bank, 15,998 25 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount <>f insurance held as collateral, 



$401,600 00 
616,500 00 
340,700 00 



1892.] 



INS. COS. OF OTHER STATES. 



241 



Interest due and accrued, .... 
Premiums in course of collection (gross), 

Kent- due and accrued, .... 
Premiums more than S months due, $63 41 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding' risks, 
Reclaimable on perpetual fire policies, . 
State and local taxes, .... 

Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 

Income. 
Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, . 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, etc., .... 

Deposits received for perpetual fire risks, 



Gross cash income, 



Expenditures. 

Cash paid for fire losses, $74,583 64 

Deduct salvage and re-insurance, . . . 6,445 34 

Net cash paid for fire losses, . 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, . . 
Deposits returned for perpetual fire risks, . $8,269 93 

Gross cash expenditures, , , , 



$791 55 

18,080 45 

1,254 50 



$1,462 12 

18,695 50 

547 00 

$20,704 62 
614 28 

$20,090 34 

103,742 76 

225,115 79 

1,500 00 

1,050 00 



$10,449 52 
181,398 68 

$191,848 20 
18,143 86 

$173,704 34 
30,237 52 



sources, . 

$16,043 13 



$918,611 29 



351,498 89 

$567,112 JO 
250,000 00 

$317,112 40 



$143,466 82 

22,074 90 

21,775 68 

2,681 97 

$189,999 37 



138 30 

20,000 00 

30,205 21 

11,419 50 

4,026 66 

7,995 32 

$141,784 99 



242 FIRE, MARINE, AND FIRE-MARIXE [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
l'iiv risks written during 1892, 



Total, 

Dediu-t risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 
Perpetual risks in force (not included above), 



$14,178,798 00 

18,091,830 00 

$32,270,628 00 

13,132,657 00 

$19,137,971 00 

937,075 00 

$18,200,896 00 

9,124,2*9 00 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, .... 



Premiums. 

$165,055 83 
181,398 68 

$346,454 51 
134,737 33 

$211,717 18 
10,715 31 

$201,001 87 
250,128 65 



$1,341,662 00 

696,481 00 

80,349 00 

248,000 00 

20,000 00 

80,500 00 



"MANUFACTURERS' AND BUILDERS' FIRE INSURANCE 
COMPANY," NEW YORK, N. Y. 

[Incorporated Nov. 19, 1870. Commenced business Nov. 22, 1870.] 
Paid-up Capital, $200,000. 
WILLIAM WOOD, President. J. JAY NESTELL, Secretary. 



Detailed Statement of Stocks 



United States bonds, 

Chicago, Burlington & Quincy Railroad stock 

Chicago. Rock Island & Pacific Railroad stock 

New York Central & Hudson River R.R. stock 

Illinois Central Railroad stock, 

New York city bonds, . 

Manhattan Trust Company stock, . 

Third National Bank "stock, 

Richmond & West Point Terminal R.R. stock 

Charlotte, Columbia & Augusta R.R. stock, 

Louisville, Evansville & St. Louis R.R. bonds 

Ohio Valley Railroad bonds, . 

Tradesmen's National Bank stock, . 

N. V., Lake Erie & W. Coal and R.R. bonds, 

Toledo, Ann Arbor & Cadillac R.R. bonds, 

Chicago, Burlington & Quincy R.R. bonds, 



and Bonds. 

Par Value. 

$2,200 00 

2,400 00 

50,000 00 

20,000 00 

1,700 00 

30,000 00 

4,500 00 

3,700 00 

45,000 00 

10,000 00 

25,000 00 

11,000 00 

4,88o 00 

25,000 00 

20,000 00 

400 00 



Market Value. 

$ 2,601 50 

2,340 00 

41,500 00 

2L900 00 

1,530 00 

30,600 00 

5,400 00 

4,070 00 

15,000 00 

3,500 00 

21,250 00 

11,000 00 

5,563 20 

27,500 00 

20,000 00 

424 00 



$255,780 00 $214,178 70 



1892.] 



IXS. COS. OF OTHER STATES. 



243 



Summary of Assets Dec 


31, 1892. 






Loans on mortgage of real estate (first liens*), 


$30,000 


00 




[nteresl accrued thereon, 


402 


78 




Stocks and bonds, as per schedule, . 


214,178 


70 




Cash in the office of the company, . 


13,034 5L 




Cash deposited in bank, . 


3,499 


66 




Interest due. and accrued', . . • . 


700 


00 




Premiums in course of collection (gross), 


39,185 


25 




Rents due and accrued, .... 


799 


98 




Gross assets, 






$301,800 88 






Liabilities. 


i 






Losses adjusted, unpaid, 


$27,540 33 




claimed and reported, . . , 


25,142 


00 




disputed or resisted, 


2,429 


62 




Total amount of losses, .... 


$55,111 


95 




Less re-insurance, ..... 


5,160 


44 




Net amount of unpaid losses, . . . 


$49,951 


51 




Due and accrued for rent, salaries, etc., . 


1,809 


68 




State and local taxes, .... 


53 


29 




Commissions and brokerage, . . . 


7,332 


35 




Return premiums, 


2,121 


53 




Gross liabilities, except capital, 






61,268 36 


■ . . 


t 


Surplus as regards policy-holders, . 


§240,532 52 


Paid-up capital, 




t 
t 


200,000 00 


Surplus over capital, .... 


$40,532 52 


Income. 








Fire premiums outstanding Dec. 31, 1891, 


$54,199 


85 




Same not collected, 


1,458 90 




Net collected, 


$52,740 


95 




Premiums on risks written or renewed, . 


311,560 02 




Total, 


, $364,300 97 




Premiums now in course of collection, . 


39,185 


25 




Entire premiums collected, 


$325,115 


72 




Less re-insurance and return premiums, . 


168,443 


46 




Net cash lire premiums received, . , 
Interest received on mortgages, 






$156,672 26 
2,250 00 


■ • • 




Interest and dividends received from all other 


• sources, . 


. 


15,558 92 


Income from rents, 


■ • • 


. 


6,116 56 


Gross cash income, 


$180,597 74 






$43,000 00 






23,000 00 


Amount of insurance held as collateral, . 


• • • 


11,000 00 



244 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

( lash paid for fire losses, 

Deduct salvage and re-insurance, . 

Net cash paid for tire losses, .... 

Cash dividends paid, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for lease of building, 

for incidentals, ..... 



$236,862 87 
15,732 61 



§221,130 26 
9,105 00 
59,624 33 
20,458 86 
7,203 94 
10,618 77 
13,094 36 



Gross cash expenditures, $ 34 1,235 52 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



. $49,986,053 00 
. 36,139,503 00 



Premiums. 

$384,434 29 
311,560 02 



,125,556 00 $695,994 31 
37,618,290 00 312,965 31 



. $48,507,266 00 §383,029 00 
. 48,507,266 00 383,029 00 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, 
Cash dividends declared from organization of company 
Dividends declared during the year (4i per cent.), 
Company's stock owned by directors, 



$3,533,485 00 

1,599,738 00 

211,391 00 

356 000 00 

9,000 00 

59,100 00 



"THE MECHANICS 1 INSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated April 13, 1854. Commenced business May 5, 1854.] 

Paid-up Capital, $250,000. 

CHARLES J. GALLAGHER, President. SIMON J. MARTIN, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Phila., Wilmington & Baltimore R.R. bonds, . 35,000 00 $5,360 00 

Union Passenger Hallway bonds, . . . 20,000 00 21,600 00 

Allegheny Car Trust bonds, .... 5,000 00 5,000 00 

Lombard & South Streets Pass. R'y bonds, . 20,000 00 20,500 00 

Steubenvilie & Indiana Railroad bonds, . . 25,000 00 26,750 00 



1892.] 



INS. COS. OF OTHER STATES. 



245 



Borough of Clifton Heights, Penn., bonds, 
Pennsylvania Car TrciBt bonds, 
Schuylkill River, East, Railroad bonds, . 
City of St. Louis bonds, .... 
Northern Pacific Railroad terminal bonds, 
City of Leavenworth, Kansas, bonds, 
100 shares Union Passenger Railway, 
Columbus & Cincinnati Midland R.R. certs., 
City of Ilarrisburg bonds, . . 
Phila., Wilmington ft Baltimore R.R. certs., 
Philadelphia ft Erie Railroad bonds, 
Bell's Gap Equipment Trust bonds,. 
North Pennsylvania Railroad bonds, 
Catawissa Railroad bonds, . . . 
Savannah ft Western Railroad bonds, 



Securities held as collateral for cash loans : — 

100 shares Pennsylvania Railroad, . 
200 " Lehigh Valley Railroad, . 
30 " Equitable Trust Company, 
144 " Metropolitan Fraction Company, . 
200 " Philadelphia ft Reading Railroad, . 
1 " Newark Passenger Railway, . 



Par Value. 

|6,000 00 

5,000 00 

30,00<» 00 

10,000 00 

10,000 00 

10,000 00 

5,r)(io 00 

10,(K»(i 00 

5,000 00 

10,000 00 

'0 00 

10,000 00 

11,000 00 

9,000 00 
00 00 



Market Value. 

$6,000 00 

5,000 00 

32,550 00 

10,200 00 

10,600 00 

10,400 00 

19,500 00 

9,500 00 

5,400 00 

10,000 00 

28,280 00 

10,000 00 

12,100 00 

10,620 00 

3,5< N 



$239,000 00 $262,860 00 



Market Value. Loaned Thereon. 

|5,437 50 { <MQf)00 00 



11,425 00 
1,62* » 00 

19,620 00 

5,200 00 

925 00 



\ *13,( 

1,200 00 

20,000 00 



$44,227 50 $34,200 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, . . 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the otlice of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Gross assets, ..... 



31, 1892. 

$81,000 00 

304,135 00 

3,345 38 

262,860 00 

34,200 00 

5,101 52 

17,188 97 

872 11 

32,221 50 

269 48 



$741,193 96 



Liabilities. 

Losses adjusted, unpaid, $9,990 16 

claimed and reported, .... 11,473 84 

disputed or resisted, .... 3,036 00 

Unearned premiums on outstanding risks, . 130,946 28 



* Total value of property mortgaged, 
Amount of insurance held as collateral, . 



$735,450 00 
249,200 00 



246 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Reelaimable on perpetual fire policies, 

Dividends to stockholders unpaid, . 

Commissions and brokerage, . 
Return premiums, .... 

Gross liabilities, except capital, 

Surplus as regards policy -holders. 
Paid-up capital, .... 



Surplus over capital, 



Income 
Fire premiums outstanding Dec. 31, 1891 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all 

Income from rents, etc., . 

Deposits received for perpetual fire risks 

Gross cash income, . . . 



$197,097 14 

163 00 

7,958 36 

3,991 64 



$30,487 56 
260,147 36 

$290,634 92 
32,221 50 

$258,413 42 
44,041 28 



other sources, . 

$17,082 67 



$364,656 42 

$376,537 54 

250,000 00 

$126,537 54 



$214,372 14 

16,123 60 

13,359 21 

4,108 92 

$247,963 87 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re- insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, . 

for expenses on real estate. 
Deposits returned on perpetual fire risks, 

Gross cash expenditures, . 



$147,758 18 
7,640 53 



$4,642 75 



$140,117 65 
20,100 00 
53,827 61 
10,990 40 
4,826 86 
10,032 44 
514 27 



$240,409 23 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 

Perpetual risks in force (not included above), . 9,709,456 00 



. $22,316,872 00 
. 27,961,862 00 

. $50,278,734 00 
. 24,833,650 00 

s. 

. $25,445,084 00 



rromiums. 

$218,705 28 
260,147 36 



$178,852 64 
229,846 03 

$249,006 61 
216,127 15 



1892.] 



INS. COS. OF OTHER STATES, 



247 



Miscellaneous. 
Premiums received from organization of company, 
Lossefl paid from organization of company, . 
Fire losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, . 



,859,779 00 
974,583 00 
129,004 00 
400,660 00 
20,000 00 
51,650 00 



"MECHANICS 1 AND TRADERS 1 INSURANCE COMPANY," 
NEW ORLEANS, LA. 

[Incorporated Oct. 15, 1869. Commenced business Nov. 1, 1869.] 

Paid-up Capital, $375,000. 

LLOYD R. COLEMAN, President GEO. H. FROST, Secretary. 



Detailed Statement of Stocks and Bonds. 



Louisiana bonds, 

Georgia State bonds; .... 

City of New Orleans bonds, 

732 shares Mutual National Bank, . 

100 " Union National Bank, . 
85 " Southern National Bank, 
25 " American National Bank, 

300 " People's National Bank, . 
2 " Mississippi State Bank, . 

319 " New Orleans City & Lake Railroad 
75 " St. Charles Street Railroad, . 

210 " Orleans Street Railroad, . 

801 " New Orleans Gas Light Company 

822 " New Orleans Water Works Co., 

200 " Standard Guano & Chera'l Mfg. Co 
50 " Standard Cotton Seed Oil Co., 
10 " National Acid Company, 
14 " New Louisiana Jockey Club, . 

Atlantic Mutual Insurance Company scrip, 



Par Value. 

$152,000 00 

25,000 00 

21,000 00 

73,200 00 

10,000 00 

8,500 00 

2,500 00 

15,000 00 

200 00 

31,900 00 

3,750 00 

10,500 00 

80,100 00 

82,200 00 

20,000 00 

2,500 00 

1,000 00 

1,400 00 

1,420 00 



Market Value. 

$148,200 00 

28,350 00 

27,740 00 

78,324 00 

14,000 00 

9,435 00 

3,250 00 

33,000 00 

200 00 

41,470 00 

7,650 00 

14,700 00 

85,306 50 

89,187 00 

44,n00 00 

2,500 00 

1,000 00 

1,400 00 

1,420 00 



$542,170 00 $631,132 50 



Summary of Assets Dec. 31, 1892. 



Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks, 

Gross assets, .... 
Deduct special deposits in other States, 

Balance 



$25,200 00 
631,132 50 

8,476 07 

15,756 07 

111,045 10 

4,080 63 



$795,690 37 
28,350 00 



$767,340 37 



248 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, . . 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, 
Paid-up capital, .... 



$13,511 42 
88,794 59 
11,806 00 

$64,112 01 
9,997 13 

854,114 88 

244,594 47 

18,750 00 

15,650 63 

$333,109 98 
9,188 08 



Surplus over capital, . 



$323,921 90 

$443,418 47 
375,000 00 

$68,418 47 



Income. 

Fire premiums outstanding Dec. 31, 1891, . $93,533 85 

Premiums on risks written or renewed, . . 627,603 74 

Total, $721,137 59 

Premiums now in course of collection, . . 108,418 15 

Entire premiums collected, .... $612,719 44 

Less re-insurance and return premiums, . . 206,222 76 

Net cash fire premiums received, . . . $406,496 68 

Marine premiums outstanding Dec. 31, 1891, . $8,402 95 

Premiums on risks written or renewed, . . 29,021 90 

Total, $37,424 S5 

Premiums now in course of collection, . . 6,707 58 

Entire premiums collected, .... $30,717 27 

Less re-insurance and return premiums, . . 13,382 23 

Net cash marine premiums received, . . 17,335 04 

Interest and dividends received from all sources, . . . 27,884 56 

Income from rents, 1,451 40 

Gross cash income, $453,167 68 

Expenditures. 

Cash paid for fire losses $451,197 54 

Deduct salvage and re-insurance, . . . 126,115 16 

Net cash paid for fire losses, .... $325,08238 



1892.] 



INS. COS. OF OTHER STATES. 



249 



Cash paid for marine and inland losses, . 
Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 
Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, . 

Risks and Premiums. 



$2,386 78 
877 96 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks written during 1892, . 
Deduct risks expired and terminated, 



.$34,620,150 00 
. 44,166,725 00 



$1,508 82 
18,750 00 
61,507 14 
32,000 00 
12,069 48 
42,560 72 

$493,478 54 

Premiums. 

$495,573 34 
627,603 74 



. $78,786,875 00 
. 41,140,939 00 



1,123,177 08 
572,164 60 



. $37,645,936 00 
. 5,154,423 00 



$551,012 48 
80,452 12 



.$32,491,513 00 $470,560 36 



$4,730,677 00 
4,730,677 00 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company 
Dividends declared during the year (5 per cent.), . 
Company's stock owned by directors, 



$29,021 90 
29,021 90 



$5,361,141 00 

2,554,472 00 

322,328 00 

1,338 00 

1,103,337 00 

18,750 00 

126,500 00 



"MERCHANTS 1 INSURANCE COMPANY OF NEWARK," 

NEWARK, N. J. 

[Incorporated Feb. 18, 1858. Commenced business April 18, 1858.] 

Paid-up Capital, $400,000. 

HENRY POWLES, President. J. R. MULLIKIN, Secretary. 



Detailed Statement of Stocks and Bonds. 



Morris & Essex Railroad stock, 
United New Jersey R.R. & Canal Co stock, 
Newark Gas Light Company stock, . 
Citizens 1 Gas Light Company stock, 
Warren Railroad stock, .... 



Par Value. 

$35,000 00 
15,000 00 
10,000 00 
13,700 00 
36,050 00 



Market Value. 

$54,250 00 
34,500 00 
23,000 00 
25,345 00 
55,877 50 



250 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



United States bonds, . • 

Centra! Railroad of New Jersey bonds, . 
New Jersey Southern Railroad bonds,. . 
Long Branch & Sea Shore Railroad bonds, 
United New Jersey R.R. & Canal Co. bonds, 
Midland Railroad of New Jersey bonds, . 
North Hudson Railway Company bonds, 
Newark ft Bloomfield Horse Car R.R. bonds, 
Orange ft Newark Horse Car R.R. bonds, 
Belleville & Newark Horse Car R R. bonds, 
Irvington & Newark Horse Car R R. bonds, 
State of New Jersey bonds, 
American Dock & Improvement bonds, . 
Long Branch school bonds, 
Underwriters 1 Protective Association, Newark, 



Par Value. 

125,000 00 

22,000 (.0 

30,000 00 

5,000 00 

20,000 00 

100,000 00 

100,000 00 

10,000 00 

25,000 00 

1,000 00 

3,000 00 

1,000 00 

50,000 00 

13,000 00 

1,000 00 



Market Value. 

$28,500 00 

24,420 00 

32,700 00 

5,850 00 

23,600 00 

118,000 00 

106,000 00 

11,000 00 

27,500 00 

1,100 00 

3,300 00 

1,000 00 

55,500 00 

14,300 00 

1,000 00 



Summary of Assets Deo 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Premiums more than 3 months due, $7,348 10 

Gross assets, 

Deduct special deposits in other States, . 



$515,750 00 $646,742 50 

31, 1892. 

$292,948 25 

390,473 00 

7,610 47 

646,742 50 

7,702 91 

44,659 51 

3,433 50 

149,988 54 

2,988 55 



,546,547 23 
28,500 00 



Balance, $1,518,047 23 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 



$83,208 24 
92,320 74 
17,529 86 

$193,058 84 
2,879 64 

$190,179 20 
701,849 48 



* Value of lands mortgaged, . . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$419,200 00 
555,200 00 
465,300 00 



1892.] 



INS. COS. OF OTHER STATES. 



251 



Reclaimable on perpetual fire policies, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
State and local taxes, 
Commissions and brokerage, . 
Return premiums, 
Re-insurance, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, 
Paid-up capital, .... 



Surplus over capital, 

broom 

Fire premiums outstanding Dec. 31, 1891 
Same not collected, .... 

\. t collected, .... 

Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

re-insurance and return premiums, 
Net cash tire premiums received, 
Interest received on mortgages, 
Interest and dividends received from all other 
Income from rents, .... 



Gross cash income, 



$41* no 

4,340 00 

1,039 57 

G24 91 

27,640 35 

12,535 52 

2,552 06 

$941,179 09 
24,965 55 



Expenditures. 
Cash paid for fire losses, . 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, . 
Cash dividends paid, 
Cash paid for redemption of scrip, 
Interest paid scrip-holders, 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 



$140,410 74 
36 57 

$135,824 17 
1,123,890 12 

$1,259,714 29 
152,750 07 

$ 1,106,964 22 
146,114 68 



sources, . 



$732,735 55 
31.948 97 



$916,213 54 



$601333 69 

400,000 00 



$201,833 69 



$960,849 54 

20,415 44 

30,955 50 

9,908 07 



$1,022,158 55 



$700,786 58 

40,000 00 

6 00 

2 88 

181,752 44 

41,617 00 

23,500 36 

97,253 28 



Gross cash expenditures, 



? 1,084,9 18 54 



252 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Pi 

Fire risk* outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



emiums. 

Premiums. 

$115,429,038 00 $1,281,891 36 
96,250,782 00 1,123,890 12 



$211,679,820 00 $2,405,781 48 
88,468,667 00 996,796 40 



$123,211,153 00 $1,408,985 08 
3,983,603 00 33,181 30 



$119,227,550 00 $ 1,375,803 78 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 percent.), 
Company's stock owned by directors, . 



$11,832,464 00 

6,493,312 00 

739,344 00 

841,219 00 

40,000 00 

73,000 00 



"MERCHANTS' INSURANCE COMPANY IN PROVIDENCE," 

PROVIDENCE, R. I. 

[Incorporated May, 1851. Commenced business July, 1851.] 
Paid-up Capital, $200,000. 

W. T. BARTON, President. W. P. GOODWIN, Secretary. 



Detailed Statement of Stocks 



1,600 shares National Bank of Commerce, 
1,000 " American National Bank, . 

400 " Merchants 1 National Bank, . 

200 " Globe National Bank, . 

467 " Providence Gas Company . 

200 " Phenix National Bank, . 

257 M Mechanics 1 National Bank, . 

102 " Manufacturers 1 National Bank, 
98 " St. Paul & Duluth Railroad, . 
Chicago, Burlington & Northern R.R. bonds, 
Eastern Railroad of Minnesota bonds, 
Town of Pawtucket, R. I., bonds, 



Securities held as collateral for cash loans : — 

50 shares Western Union*Telegraph Co., 
Wisconsin Central Railroad bond, . 
New Haven & Derby Railroad bonds, 
Bank-book Mechanics 1 Savings Bank, Prov., . 



and Bonds. 

Par Value. 

$80,000 00 
50,000 00 
20,000 00 
10,000 00 
23,350 00 
10,000 00 
12,850 00 
10,200 00 

9,800 00 
10,000 00 
10,000 00 

5,000 00 



Market Value. 

$91,200 00 
46,000 00 
27,200 00 
16,100 00 
37,827 00 
14,600 00 
14,906 00 
14,178 00 
10,486 00 
10,450 00 
10,450 00 
5,250 00 



$251,200 00 $298,647 00 

Market Value. Loaned Thereon. 

$4,750 00 \ 

900 00 i $7,075 00 
4,600 00 ) 
740 00 500 00 



$10,990 00 $7,575 00 



1892.] 



IXS. COS. OF OTHER STATUS. 



253 



Summary of Assets Dec. 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks ami bonds, as per sehedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for lire risks, 

Premiums more than 3 months due, $24 60 
Gross assets,f 

Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, . 

disputed or resisted, . 
Unearned premiums on outstanding risks, 

State and local taxes, 

Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



31, 1892. 

$101,700 00 

1,352 80 

298,647 00 

7,575 00 

1,619 89 

29,828 95 

99 10 

19,098 31 

21,532 48 



$481,453 53 



$14,126 03 

23,905 68 

3,208 13 

190,383 07 

381 96 

3,437 64 



235,442 46 

. $246,011 07 
200,000 00 

Surplus over capital, $46,011 07 

Income. 
Fire premiums outstanding Dec. 31, 1891, . $37,940 47 
Same not collected, 1,745 81 

Net collected, $36,194 66 

Premiums on risks written or renewed, . . 346,826 65 

Total, $383,021 31 

Premiums now in course of collection, . . 40,630 79 

Entire premiums collected, .... $342,390 52 
Less re-insurance and return premiums, . . 49,482 37 

Net cash fire premiums received, . . . $292,908 15 

Interest received on mortgages, 5,059 17 

Interest and dividends received from all other sources, . . 16,308 44 

Gross cash income, . . . . . . . $314,275 76 



* Value of lands mortgaged $136,500 00 

Value of buildings thereon, ... .' . . 173,500 00 

Amount of insurance held as collateral, . . . 155,500 00 

t Including $20,000 special reserve fund held under Rhode Island law. 



254 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash i>:iid for fire losses, 

Deduct salvage and re-insurance, . 

Net cash paid for fire losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 
for salaries and incidentals, 
for State and local taxes, 

Gross cash expenditures, . 



$222,827 26 
2,056 73 



$220,770 53 

6,000 00 

57,101 76 

39,907 81 

8,440 13 

$332,220 23 



Risks and Premiums. 



Fire risks outstanding Dec 31, 1891, 
Fire risks written during 1892, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



.$31,087,682 00 
. 30,178,088 00 



Premiums. 

$360,785 07 
340,826 65 



?61,265,770 00 $707,611 72 
28,861,345 00 328,669 42 



$32,404,425 00 $378,942 30 
691,218 CO 7,359 45 



.$31,713,207 00 $371,582 85 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (3 per cent.), . 
Company's stock owned by directors, .... 



$6,972,105 00 

4,705,445 00 

214,016 00 

692,000 00 

6,"00 00 

41,700 00 



"MICHIGAN FIRE AND MARINE INSURANCE COMPANY," 

DETROIT, MICH. 

[Incorporated February, 1881. Commenced business March, 1881.] 

Paid-up Capital, $400,000. 

D. WHITNEY, Jr., President. T. H. WI1ITNEY, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Peopled Savings Bank stock, .... $5,000 00 $8,500 00 

Cheboygan county bonds, .... 12,500 00 12,500 00 

Detroit city bonds, 10,025 00 10,025 00 

Marquette city bondi, 32,000 00 33,600 00 



$59,525 00 $64,625 00 



L892.] 



I\S. COS. OF OTHER STATES. 



255 



$20,422 81 


612,807 


91 


19,023 


61 


64,625 


00 


10,998 


18 


21,833 


25 


1,382 


: , .7 


86,583 


48 


9,099 


39 


1,127 


85 



819,791 

13,744 

1,850 

294,713 

8,234 

12,722 

5,840 



Summary of Assets Dec. 31, 1892. 

Cash value of unencumbered real estate, 
Loans <>n mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
( ash deposited in hank, .... 
Interest due and accrued, .... 
Premiums in course <>t' collection (gross), 
Notes tak< n for marine and inland risks, 

Re-insurance 

' Gross 

Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Return premiums, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital 

Surplus over capital, .... 

Income. 
Fire premiums outstanding Dee. 31, 1*891, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec 31, 1891, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and diyidends received lrom all other 

Income from all other sources, 

Gross cash income, ...» 



04 
58 
00 
44 
28 
83 
23 



$99,901 
615,119 

5715,021 
86,583 



66 
65 

31 

48 



$628,437 
161,709 



83 

08 



$4,128 
100,481 

?104,610 
9,099 



28 

77 

05 
39 



$95,510 
17,058 



66 
57 



sources, 



$856,903 85 



356,896 40 

$50o,007 45 
400,000 00 

? 100,007 45 



$466,728 75 



78,452 09 

41,759 69 

2,745 13 

4,076 05 

$593,761 71 



* Value of lands mortgaged, 
Value of buildings thereon, . . 
Amount of insurance held as collateral, 



$1,147,310 00 
699,525 00 
433,100 00 



256 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, §384,146 08 

Deduct salvage ami rc-insurance, . . . 24,149 68 

Net cash paid for lire losses, .... 

Cash paid tor marine and inland losses, . . $67,193 58 
Deduct salvage and re-insurance, . . . 16,576 78 

Net cash paid tor marine and inland losses, . 

Cash dividends paid, 

(ash paid tor commissions and brokerage, 

for salaries of officers and employeas, . 

for State and local taxes, 

for rent and incidentals, .... 

Gross cash expenditures, 



$359,996 40 



50,616 80 
32,00) 00 
107,089 36 
15,491 75 
14,682 81 
59,763 11 

$639,610 23 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1891, 
Marine risks written during 1892, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



.$43,853,736 00 
. 47,876,532 00 



Premiums. 

$584,366 97 
615,119 65 



.$91,730,268 00 
. 41,400,794 00 



,199,486 62 
587,787 87 



. $50,329,474 00 
. 7,334,795 00 



$611,698 75 
59,197 84 



. $42,994,679 00 $552,500 91 



$97,750 00 
. 5,644,921 00 



. $5,742,671 00 
5,385,945 00 



$4,046 65 

1U0,481 77 

$104,528 42 

91,378 70 



$356,726 00 $13,149 72 



Miscellaneous 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
(ash dividend- declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, . . . . 



$3707,666 00 

1,975,392 00 

351,941 00 

52,217 00 

150,000 00 

32,000 00 

211,800 00 



1892.] 



INS. COS. OF OTHER STATES. 



257 



MIDDLESEX MUTUAL ASSURANCE COMPANY,' MIDDLETOWN, 

CONN.* 

[Incorporated June 2, 1836. Commenced business June 13, 1836.] 
O. VINCENT COFFIN, l'reii'lent. C. W. HARRIS, Secretary. 



Detailed Statement of Stocks 



Middletown, Conn , town bonds, 

Portland, ( lonn., town bonds, , 

Jeffersimville, Intl.. city bonds, 

Evansville, Ind., city bonds, 

Delaware and Hudson Canal Company bonds 

Col.. Hocking Valley & Toledo R.R. bond-, 

American Water Work- bonds', 

Nebraska Loan and Trust Company bond-, 

Middlesex Banking Company bonds, 

200 shares X. Y. Cent. & Hudson River R.R., 

250 ' 

:5i M » « 

200 ' 

4 

170 ' 
150 ' 

85 

30 ' 

55 

10 ' 



Chic, Rock Island & Pacific R.R., 
New York, New Hav. & Hart. R.R. 
Chicago, Burl. & Qnincy R.R., 
Chicago & Northwestern Railroad 
Middletown National Bank, Conn. 
First Nat'l Bank, Middlet'n, Conn. 
Middlesex Co. X'l B'k, Middlet'n, 
Central Nat'l Bank, Middletown, 
American Exch. Nat'l Bank, N. Y. 
First Nat'l Bank, Portland, Conn., 



and Bonds. 

Tar Value. 

$46,000 00 

100,<iin) 00 

b',000 00 

5,000 00 

10,000 00 

10,000 00 

l<),noo 00 

77,000 00 

10,000 00 

20,000 00 

25,000 00 

30,000 00 

20,000 00 

4o,000 00 

12,750 00 

15,000 00 

8,500 00 

2,250 00 

5,500 00 

1,000 00 



Market Value. 

345,000 CO 

100,000 00 

10,000 00 

4,500 00 

13,700 00 

9,000 00 

10,000 00 

77,000 00 

10,000 00 

21,800 00 

20,750 00 

76,500 00 

19,400 00 

50,400 00 

17,000 00 

15,000 00 

8,500 00 

3,000 00 

8,250 00 

1,000 00 



$457,000 00 $520,800 00 



Summary of Assets Dec. 31, 1892. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liensf) 
Stocks and bonds, as per schedule, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Gross assets, 



$180,000 00 

5,800 00 

520,800 00 

15,149 60 

11,889 05 



$733,638 65 



Liabilities. 

Losses adjusted, unpaid, $997 08 

claimed and reported, .... 3,590 00 

disputed or resisted, .... 2,050 00 

Unearned premiums on outstanding risks, . 137,897 32 

Due and accrued for rents, salaries, etc., . . 5,000 00 



* A mutual company. 

+ Value of lands mortgaged, .... 

Value of building-* thereon 



$20,425 00 
2,700 00 



258 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Due for borrowed money, 

State and local taxes, 

Commissions and brokerage, 
Gross liabilities, 



§20,000 00 
4,886 02 
2,972 26 

§176,891 68 



Surplus $556,746 97 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 



1,785 81 
70 91 



$5,714 90 
79,670 96 



85,385 86 
11,889 05 



Entire premiums collected, .... $73,496 81 
Less re-insurance and return premiums, . . 5,012 30 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, 



)8,484 51 

389 00 

29,124 37 

10,783 32 



Gross cash income, $ 108,781 20 



Expenditures. 

Cash paid for fire losses, .... 

for commissions and brokerage, 
for salaries of officers and employees, 
for State and local taxes, 
for incidentals, .... 

for interest on borrowed money, 

Gross cash expenditures, .... 



$46,868 63 

10,348 95 

12,000 00 

5,558 08 

9,272 96 

347 20 

$84,395 82 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



. $34,851,002 00 
. 11,634,357 00 



. $46,485,359 00 
. 10,372,311 00 



.$36,113,048 00 
3,625 00 



Premiums. 

$265,100 33 
79,670 90 

$344,771 23 
68,960 28 



275,810 95 
16 37 



. $36;109,423 00 $275,794 58 



Miscellaneous. 
Losses paid from organization of company, . 
Fire losses incurred during the year, . 



$686,301 00 
51,456 00 



1892.] 



INS. COS. OF OTHER STATES. 



259 



"MILWAUKEE MECHANICS' INSURANCE COMPANY;' 
MILWAUKEE, WIS. 

[Incorporated Feb. 15, 1852. Commenced business April 1, 1852.] 

Paid-up Capital, $200,000. 

CHRISTIAN FREUS8ER, President. ADOLF J. CRAMER, Secretary. 



Detailed Statement of Stocks 



Milwaukee city bonds, 

Brown County, Wis., bonds, 

Oahkosh City, Wis., bonds, 

La Crosse City, Wis., bonds, 

St. Paul, Minn., city bonds, 

Ramsey County, Minn., bonds, 

Central Map Sur. & Pub. Co., Chicago, stock 

Mil. Underwriters B'ld'g Assoc'n stock, . 



and Bonds. 

Par Value. 

$200,000 00 

36,000 00 

30,000 00 

35,000 00 

225,000 00 

100,000 00 

1,000 00 

842 00 



Market Value. 

$203,950 00 

39,500 00 

33,300 00 

37,100 00 

246,125 00 

106,500 00 

1,000 00 

842 00 



$627,842 00 §068,317 00 



Summary of Asse t s Dec. 31, 1892. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest accrued thereon, . 
Stocks and bonds, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Gross assets, 



$45,000 00 
963,631 48 

19,213 00 
668,317 00 

45,010 72 

130,945 71 

5,706 00 

77,172 44 



$1,954,996 35 



Liabilities 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



Surplus over capital, . 



$10,667 38 

47,208 00 

5,550 00 

610,335 93 
15,434 49 



689,195 80 



. $1,265,800 55 
200,000 00 



. $1,065,800 55 



* Value of lands mortgaged, . . 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$1,729,000 00 
500,000 00 
468,200 00 



200 FIRE, MARINE, AND FIRE-MARINE [Dee. 31, 



$62,603 60 
891,971 36 



$954,574 96 
77,172 44 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, etc., 



$877,402 52 
108,168 52 



Gross cash income, 



$769,234 00 

55,464 43 

31,480 82 

1,598 77 

$857,778 02 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

(ash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



$471,844 18 
33,516 67 



$438,327 51 
60,000 00 
188,534 80 
46,799 33 
23,923 09 
41,615 46 



$799,200 19 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 



Risks and Premiums. 

Premiums. 

.$76,540,541 00 $1,031,281 56 
. 65,641,589 00 891,971 36 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



f 142,182,130 00 $1,923,252 92 
. 50,896,192 00 701,025 77 



.$ 91,285,938 00 $1,222,227 15 
38,596 11 



$91,285,938 00 $1,183,631 04 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (80 per cent.), 
Company's stock owned by directors, . . . . 



$8,638,656 00 

4,166,006 00 

448,352 00 

380,000 00 

60,000 00 

93,020 00 



1892.] 



IXS. COS. OF OTHER STATES. 



201 



"MUTUAL FIRE INSURANCE COMPANY IN THE CITY OF 

NEW YORK," N. Y. 

[Incorporated Feb. 1, 18C9. Commenced business June 19, 1882.] 

Paid-up Capital, $254,044.23. 

J. 0. II ATI K, /'r.sident. J. W. DURBROW, Secretary 

Detailed Statement of Stocks and Bonds. 

Par Value 

United States bonds, 

Chic, Milwaukee & St Paul R.R. bonds, 
New York Elevated Railroad bonds, 
District of Columbia bonds, 

Alabama Central Railroad bonds, . 
•St. Paul, Minn. & Manitoba Railroad bonds, 
Chicago, Rock Island & Pacific R.R. bonds, 
Chicago & Northwestern Railroad bonds, 
100 shares Fire Association of New York, 



118 M Columbia Bank, 

200 " Citizens' Nat'l Bank, 

117 " Import. & Traders' NatT Bank, 

554 " Mechanics 1 National Bank, 

280 " Mercantile National Bank, 

15 " National Park Bank, 

15 " State Trust Company, 



Summary of Assets Dec 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposits in other States, . 

Balance, 

Liabilities. 
Losses claimed and reported, . . , . , 

Losses disputed or resisted, . . . 

Unearned premiums on outstanding risks, 

Interest and dividends due or accrued, . - 

Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 

Paid-up capital, 

Scrip outstanding, not ordered to be redeemed, 



$141,000 00 

25,000 00 

25,000 00 

368,000 00 

25,000 00 

. 25,000 00 

38,000 00 

16,000 00 

10,000 00 

11,800 00 

5,000 00 

11,700 00 

13,850 00 

28,000 00 

1,500 00 

1,500 00 

$746,350 00 

31, 1892. 

$974,935 00 

6,584 21 

119,984 77 

5,340 02 

177,812 34 



$83,194 15 

52,806 86 

412,528 37 

3,441 02 

5,351 00 

$557,321 40 

14,526 15 



Market Value. 

$160,387 50 
28,750 00 
27,625 00 
421,360 00 
26,750 00 
25,125 00 
43,690 00 
17,000 00 

9,000 00 
33,630 00 

8,250 00 
73,710 00 
27,007 50 
64,400 00 

4,725 00 

3,525 00 

$974,935 00 



,284,656 34 
45,500 00 



$1,239,156 34 



$254,044 23 
646,126 00 



542,795 25 
$696,361 09 



900,170 23 



Impairment of scrip, $203,809 14 



2G2 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 



$252,327 84 
1,047,005 77 



Total, $1,299,333 61 

Premiums now in course of collection, . . 177,812 34 



Entire premiums collected, . . . . $ 

re-insurance and return premiums, . 
Net cash lire premiums received, . . 
Interest and dividends received from all sources, 
Income from all other sources, 

Gross cash income, ...... 



,121,521 27 
202,842 48 



$918,678 79 

37,851 01 

4,602 57 

$961,132 37 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Interest paid scrip-holders, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for inspections and incidentals, 

Gross cash expenditures, .... 



$388,071 31 
53,776 34 



$334,294 97 
24,907 43 
38,767 56 
79,398 65 
40,301 93 
7,416 19 
52,550 29 

$577,637 02 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 



Risks and Premiums. 

Premiums. 

$14,600 00 $83 10 
. 90,742,690 00 1,047,005 77 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$90,757,290 00 $1,047,088 87 
21,649,017 00 218,867 92 



$69,108,273 00 $828,220 95 
310,000 00 3,164 21 



,798,273 00 $825,056 74 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year, . . . . 
Company's stock owned by directors, . . . . 



&6,464,315 00 

8,662,715 00 

319,418 00 

628,901 00 
24,908 00 
98,543 00 



1892.] 



IXS. COS. OF OTHER STATES. 



2(53 



"NATIONAL FIRE INSURANCE COMPANY OF HARTFORD;' 

HARTFORD, CONN. 

[Incorporated Nov. 27, 1871. Commenced business Dec. 1, 1871.] 

Paid-up Capital, $1,000,000. 

JAMBS NICHOLS, President. E. G. RICHARDS, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Atchison, Topeka & Santa Fe Railroad bonds, $U,0<>0 ()0 $10,420 00 

Buffalo Railway Company bonds, . . . 25,000 00 24,500 00 

Cedar Rap., Iowa Falls & Northw'rn R.R. bonds, 20,000 00 20 goo 00 

Chesapeake & Ohio Railroad bonds, . . 20,000 00 15,600 00 

Chicago & Indiana Coal Railway bonds, . . 25,000 00 25,500 00 

Chicago & Western Indiana Railroad bonds, . 24,000 00 25,440 00 

Chicago & Northwestern Railroad bonds, . 20,000 00 22,600 00 

Chicago, Milwaukee & St Paul 11. R. bonds, . 60,000 00 69,200 00 

Chicago, BurlingtoD & Quincy R.R. bonds, . 12,200 00 12,610 00 

Cincinnati, Dayton & [ronton R.R. bonds, . 10,000 00 9,700 00 

Cincinnati, Hamilton & Dayton R.R. bonds, . 15,000 "<> 18,300 00 

Cleve., Col., Cin. & Indianapolis R.R. bonds, . 35,000 00 45,500 00 

Columbus, Shawnee & Hocking R.R. bonds, . 20,000 00 17,000 00 

Columbus & Toledo Railroad bonds, . . 38,000 00 43,960 00 

Columbus & Hocking Valley Railroad bonds, 10,000 00 11,000 00 

Danbnry & Norwalk Railroad bonds, . . 10,000 00 11,000 00 

East Tennessee, Virginia & Georgia R.R. bonds, 30,000 00 27,000 00 

Evansville &Terre Haute Railroad bonds, . 10,000 00 10,200 00 

Erie Railway bonds, 20,000 00 27,000 00 

Harlem River and Port Chester R.R. bonds, . 25,000 00 31,500 00 

Hartford & Conn. Western Railroad bonds, . 10,000 00 10,000 00 

Hannibal & St. Joseph Railroad bonds, • . 50,000 00 58,000 00 

Holly, Wayne & Monroe Railroad bonds, . 15,000 00 18,000 00 

Indiana & Lake Michigan Railroad bonds, . 10,000 00 10,000 00 

Knoxville & Ohio Railroad bonds, . . . 20,000 00 20,200 00 

Louisville, New Albany & Chicago R.R. bonds, 20,000 00 22,300 00 

Louisville & Nashville Railroad bonds, . . 10,000 00 12,000 00 

Memphis & Charleston Railroad bonds, . . 20,000 00 22,000 00 

Montana Central Railway Company bonds, . 20,000 00 22,600 00 

Naumkeag Street Railway bonds, . . . 20,000 00 20,000 00 

Nodaway Valley Railroad bonds, . . . 7,000 00 7,700 00 

Northern Pacific Railroad bonds, . . . 24,000 00 24,480 00 

Norfolk & Western Railroad bonds, . . 22,000 00 20,240 00 

Oregon Railway & Navigation Railroad bonds, 20,000 00 22,000 00 

Philadelphia & Reading Coal & Iron Co. bonds, 12,000 00 12,360 00 

Rochester & Pittsburgh Railroad bonds, . . 25,000 00 29,000 00 

Sandusky, Mansfield & Newark R.R. bonds, . 25,000 00 30,500 00 

St. Paul & Northern Pacific Railroad bonds, . 25,000 00 30,000 00 



204 FIRE, MARINE, AND EIRE-MARINE [Dec. 31, 



St. Paul, Minneapolis & Manitoba R.R. bond 
Seattle, Lake Shore & Eastern R.R. bond-, 
( Georgia state bond-. .... 
Hartford city water bonds, 

Helena city bond-, 

Lincoln city bonds, 

Mariden town bonds, .... 
New Britain eity bonds, .... 
Richmond eity bonds, .... 

United States bonds, .... 

Underwriters 1 Protective Association bonds, 

West Middle School District, Hartford, bonds 
300 shares Belt Railroad, Indianapolis, . 

200 •■ Cleveland & Pittsburgh Railroad, 

110 " Chicago, Burl. & Quincy R.R., 

330 " Chicago, Rock IsPd & Pacific R.R. 

167 " Illinois Central Railroad, . 

600 " New York, New Hav. & Hart. R.R. 

200 " New York & Harlem Railroad, 

5< " N. Y. Central & Hudson Riv. R.R. 

* 100 " Oswego & Syracuse Railroad, 

742 " Pennsylvania Railroad, . 

100 " Peoria & Bureau Valley Railroad, 

200 " Pitts., Fort Wayne & Chicago R R. 

250 " .Etna National Bank, 

70 " Boston National Bank, Boston, 

] 12 " Charter Oak National Bank, . 

50 " Central National Bank, N. Y., 

40 " City Bank, . ... 

100 " Farmers 1 and Mech. National Bank 

50 " First National Bank, Meriden, 

509 " Hartford National Bank, 

50 " Mercantile National Bank, 

100 " Metropolitan National Bank, N. Y. 

300 " National Exchange Bank, 

75 " Natl Bank of the Republic, Boston 

20 " NaPl Bank of Commerce, Kan. City 

450 M Phoenix National Bank, . 

70 " St. Paul National Bank, . 

25 " Second National Bank, New Haven 

100 " Thames National Bank', Norwich, 

400 " Northwestern Telegraph Company 

400 " Williniautic Linen Company, 



I'ar Value. 

110,000 00 
20,000 00 
25,000 00 

3,000 00 
20,000 00 
12,000 00 
10,000 00 

6,000 00 
44,900 00 
50,000 00 

1,000 00 
26,000 00 
15,000 00 
10,000 00 
11,000 00 
33,000 00 
16,700 00 
60,000 00 
10,000 00 
50,000 00 

5,000 00 
37,100 00 
10,000 00 
20,000 00 
25,000 00 

7,000 00 
11,200 00 

5,000 00 

4,000 00 
10,000 00 

5,000 (0 
50,900 00 

5,000 00 

3,400 00 
15,000 00 

7,500 00 

2,000 00 
45,000 00 

7,000 00 

2,500 00 
10,000 00 
20,000 00 
l(),oo0 00 



Market Value. 

$11,600 00 

17,400 00 

28,750 00 

8,000 00 
21,600 00 
12,000 00 
1O.2O0 00 

6,600 00 
51,000 00 
56,500 00 

1,000 00 
26,000 00 
12,500 00 
15,400 00 
10,670 00 
27,720 00 
16,230 00 
151,200 00 
25,500 00 
54,500 00 

9,000 00 
40,068 00 
16,500 00 
30,400 00 
35,000 00 

7,350 00 
11,760 00 

6,850 00 

4,200 00 
11,000 00 

5,700 00 
78,386 00 

4,500 00 

500 00 

19,200 00 

12,000 00 

1,960 00 
58,500 (X) 

8,750 00 

4,250 00 
14,500 00 
20,400 00 
10,000 00 



Securities held as collateral for cash loans 
10 shares Travelers 1 Insurance Company, 



$1,549,400 00 $1,840,154 00 



Market Value. Loaned Thereon. 

$2,000 00 $450 00 



1892.] 



INS. COS. OF OTHER STATES. 



265 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due ov accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in hank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposits in other States, . 



Balance, 



31, 1892. 

$113,989 00 

640,500 00 

13,178 22 

1,840,154 00 

450 00 

989 83 

203,264 11 

1,667 65 

339,261 26 



$3,153,454 07 
129,750 00 

$3,023,704 07 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Return premiums, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, .... 



Gross cash income, 



$61,785 12 
87,927 99 
25,657 52 
1,406,936 11 
58,849 33 
24,405 26 



$1,665,561 33 
39,442 58 



1,626,118 75 

. $1,397,585 32 
. 1,000,000 00 

. $397,585 32 



$244,557 33 
2,547,311 90 



$2,791,869 23 
339,261 26 



$2,452,607 97 
440,092 7L 



sources, . 



>,012,515 26 

42,225 28 

94,894 73 

1,432 03 

J,151,067 30 



* Value of lands mortgaged $1,007,400 00 

Value of buildings thereon 802,650 00 

Amount of insurance held as collateral, . . 510,685 00 



2(?6 FIRE, MARINE, AND FIRE-MARIXE [Dec. 31, 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 

Net cash paid for lire losses, .... 

Cash dividends paid, ..... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



Gross cash expenditures, .... 

Risks and Premiums. 



$1,2-19,723 55 
174,748 22 



$1,07-1,975 33 
100,000 00 
348,349 69 
155,503 04 
G0,285 C7 
172,351 GO 

81,911,525 33 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

$189,471,814 00 $2,335,032 80 
231,325,231 00 2,547,311 90 



$420,797,045 00 $4,882,344 70 
172,842,354 00 1,826,592 67 



$247,951,691 00 $3,055,752 03 
25,687,239 00 318,299 62 



$222,267,452 00 $2,737,452 41 



Miscellaneous. 

Premiums received from organization of company, . $13,102,093 00 

Losses paid from organization of company, . . . 6,681,575 00 

Fire losses incurred during the year, .... 1,088,036 00 

Cash dividends declared from organization of company, 1,777,000 00 

Dividends declared during the year (10 per cent.), . 100,000 00 

Company's stock owned by directors, 72,200 00 



" NEWARK FIRE INSURANCE COMPANY," NEWARK, N. J. 

[Incorporated May 14, 1810. Commenced business May 14, 1810.] 

Paid-up Capital, $250,000. 

JOHN J. HENRY, President. FRANK T. McBRIDE, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $30,000 00 $33,975 00 

Orange & Newark Railroad bonds, . . . 25,000 00 28,000 00 

Essex Passenger Railroad bonds, . . . 5,000 00 5,500 00 

Newark & South Orange Railroad bonds, . 20,000 00 20,000 00 

Monis & Essex Railroad stock, . . . 20,000 00 30,000 00 

Hoboken land and improvement bonds, , . 25,000 00 26,250 00 

National State Bank stock, .... 15,90000 24,01500 



1892.] 



INS. COS. OF OTHER STATES. 



267 



Newark City National Hank stock, . 
National Newark Banking Company bonds, 
West Shore Railroad bonds, 
East Orange improvement bonds, . 

Underwriters 1 Protective Association bonds, 



Securities held as collateral for cash loans 
Newark Lime and Cement Company, 



Far Value. 

$13,250 00 

7,700 00 

35,000 00 

1,714 25 

1,000 00 



Market Value. 

$20,537 50 

12,705 00 

36,012 50 

1,714 25 

1,000 00 



$199,564 25 $240,339 25 



Market Value. 

$4,000 00 



Loaned Thereon. 

$3,000 00 



Summary of Assets Dec. 31, 1892 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
(ash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for lire risks, . 
Rents due and accrued, .... 
Premiums more than 3 months due, §501 82 
Gross assets, 



$53,000 00 

308,850 00 

4,480 94 

240.339 25 

3,000 00 

6,494 94 

17,195 28 

2,303 17 

20,581 56 

457 42 

325 00 



$657,027 56 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid, 
State and local taxes, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 

Surplus over capital, . 



$8,037 40 

10,311 30 

143 82 

$18,492 52 
250 00 

$18,242 52 
147,907 61 

7,266 00 
600 60 

4,523 15 



178,539 88 

$478,487 68 
250,000 00 

$228,487 68 



* Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral 



$313,250 00 
522,362 00 
436,675 00 



268 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 
Fire premiums outstanding Dec. 31, 1891, . $22,648 02 
Same not collected, 94 59 

Net collected, 122,553 43 

Premiums on risks written or renewed, . . 239,371 27 

Total, |261,924 70 

Premiums now in course of collection, . . 21,540 80 

Entire premiums collected, .... $240,383 90 
Less re-insurance and return premiums, . . 43,041 44 

Net cash fire premiums received, . . . 

Interest received on mort«:a<res, ...... 

Interest and dividends received from all other sources, . 
Income from rents, 



$197,342 46 

18,423 60 

10,536 20 

1,095 00 



Gross cash income, 



$227,397 26 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



$164,200 20 
8,573 70 



$155,626 50 
36,497 35 
38,748 02 
19,567 44 
9,027 67 
13,136 52 

$272,603 50 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total, . . . t . 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



. $33,842,042 00 
. 25,640,768 00 



$59,482,810 00 
26,637,818 00 



$32,814,962 00 
1,948,742 00 



Premiums. 

$311,591 00 
239,371 27 

$550,962 27 
237,619 70 

$313,312 57 
16,355 31 



. $30,896,220 00 $296,957 26 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (15 per cent.), 
Company's stock owned by directors, . 



$1,320,550 00 

2,033,592 00 

132,437 00 

690,780 00 
37,500 00 
35,550 00 



1892.] 



INS. COS. OF OTHER STATES. 



269 



"NEW HAMPSHIRE FIRE INSURANCE COMPANY," 
MANCHESTER, N. II. 

[Incorporated 1869. Commenced business April, 1870.] 

Taid-up Capital, $700,000. 

JAMES A. WESTON, President. JOHN C. FRENCII, Secretary. 



Detailed Statement of Stocks and Bonds. 






United States bond-. 

City of Manchester, X. II., bonds, 

City of Chicago, 111., bonds, 

City of Concord, X. H., bonds, . 
City of Topeka, Kansas, bonds, 
City of Omaha, Neb., bonds, 
City of Moorhead, Minn., bonds, 
City of Lincoln, Neb., bonds, . 
Maine Central Railroad bondsj 
Burlington & Missouri River R.R., Iowa, bonds 
Chicago, Burlington & Quincy R.R. bonds, 
New York & New England R.R. bonds, . 
Union Pacific Railroad bonds, . 
Oregon Short Line Railroad bonds, . 
Boston, Concord & Montreal Railroad bonds, 
Hillsborough County, N. II., bonds, 
Chicago & West Michigan Railroad bonds, 
Topeka, Kansas, Water Supply Co. bonds, 
Minneapolis Gas Light Co. bonds, . 
Chicago, Burlington & Northern R.R. bends 
New Hampshire Trust Company bonds, . 
Central Loan & Land Company bonds, . 
Johnson Loan & Trust Company bonds, . 
Nashua Card & Glazed Paper Co. bonds, 
National Loan & Trust Company bonds, 
Grand Forks Gas and Electric Co. bonds, 
Sioux City, Iowa, sewerage bonds, 
Swift & Company, Chicago, bonds, 
City of Seattle, Wash., bonds, . 
City of Tacoma "Wash., bonds, 
City of East Portland, Ore., bonds, 
City of Cleveland, Ohio, bonds, 
Old Colony Steamboat Company bonds, 
Montana Central Railroad bonds, .. 
Lehigh Valley Terminal Raihyay Co. bonds, 
Concord & Montreal Railroad Co. bonds, 
City of Ashtabula, Ohio, bonds, 



Tar Value. 

IIOJ.OOO 00 

700 00 

10,000 00 

1,000 00 

8,000 00 
10,000 00 
6,000 00 
31,000 00 
10,1.00 00 
10,000 00 
33,800 00 
20,000 00 
35,000 00 
10,000 00 
50,000 U0 
5,000 00 
25,000 00 
20,000 00 
20,000 00 
5,000 00 
30,000 00 
20,000 00 
9,500 00 
10,000 00 
10,000 00 
10,000 00 
1,621 47 
25,000 00 
10,000 00 
25,000 00 
25,000 00 
50,000 00 
10,000 00 
25,000 00 
25,000 00 
75,000 00 
. 10,000 00 



Market Value. 

$112,000 00 
700 00 
10,500 00 
1,000 00 
8,000 00 
10,500 00 
6,000 00 
32,550 00 
11,000 00 
10,200 00 
36,890 00 
22,900 00 
33,800 00 
10,200 00 
55,000 00 
5,000 0') 
23,750 00 
21,000 00 
21,000 00 
5,200 00 
28,500 00 
20,000 00 
9,500 00 
10,200 00 
10,000 00 
10,000 00 
1,621 47 
25,500 00 
10,000 00 
27,500 00 
27,500 00 
52,000 00 
10,400 00 
25,000 00 
26,750 00 
75,000 00 
10,600 00 



27() FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Sun cook Valley Railroad stock, 

New York Central & Hudson River R.R. stock 

Norwich & Worcester Railroad stock, 

Pemigewasset Valley Railroad stock, 

Chicago, Burlington & Quincy R.R. stock, 

Illinois Central Railroad stock, 

Chicago, Roek Island & Pacific R.R. stock, 

Lake Shore & Michigan Southern R.R. stock 

Chicago & Northwestern Railroad stock, 

Boston & Albany Railroad stock, 

Boston & Maine Railroad stock, 

Merchants 1 N'l Rank, Manchester, N. H., stock 

Merchants 1 N"l Bank, Kansas City, Mo., stock 

Pemigewasset N T1 1 Bank, Plymouth, N. H., stock 

First Nat'l Bank, Peterborough, N. H., stock 

Lancaster Trust Company stock, 

Amoskeag MT g Co., Manchester, N. H., stock 

Manchester Mills, Manchester, N. H., stock, 

Stark Mills stock, 

Quincy Bridge stock, .... 



Par Value. 

$4,000 00 

10,000 00 

3,100 00 

26,000 00 

44,000 00 

30,000 00 

10,000 00 

20,000 00 

20,000 00 

7,500 00 

5,000 00 

10,000 00 

5,000 00 

6,000 00 

5,000 00 

2,500 00 

10,000 00 

20,000 00 

10,000 00 

8,000 00 



Market Value. 

$5,000 00 

11,000 00 

5,425 00 

31,200 00 

44,000 00 

29,400 00 

8,200 00 

26,000 00 

22 400 00 

15,750 00 

8,500 00 

12,500 00 

5,000 00 

7,500 00 

7,000 00 

2,500 00 

22,000 00 

28,000 00 

12,000 00 

14,000 00 



$1,037,721 47 $1, 134,636 47 



Securities held as collateral for cash loans : — 



8 shares Manchester & Lawrence Railroad 
2 " Moline Plow Company, . 
86 " Chicago, Burlington & Quincy R.R. 
36 " Pullman Palace Car Company, 
Mortgage notes guaranteed, 
100 shares Westchester Fire Insurance Co., 
300 shares Swift Refrigerator Trans. Co., 
Chicago, Burlington & Quincy R.R., 
Union Pacific bonds, .... 



Market Value. Loaned Thereon. 



$1,800 00 
2,000 00 
7,740 00 
6,840 00 
7,300 00 
1,300 00 
36,000 00 
21,620 00 
3,180 00 



$87,780 00 



$2,700 00 

7,000 00 

5,700 00 

1,000 00 

25,000 00 

20,000 00 
K> 1,400 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
(ash in the olliee of the company, . . 
( lash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
GrOflfl assets, 



31, 1892. 

$7,500 00 

553,096 86 

1,134,636 47 

61.400 00 

27.401 71 
71,645 12 
19,275 00 

110,866 17 



$1,985,821 33 



18D2.] 



INS. COS. OF OTHER STATES. 



271 



Liabilities. 

Losses adjusted, unpaid, .... 

ies claimed and reported, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 



$01,446 21 
56,000 00 

716,584 14 
22,173 23 



$856,153 53 

$1,129,667 75 
700,000 00 



$429,667 75 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 



$65,732 51 
. 1,092,419 02 

. $1,158,151 53 
110,866 17 



. $1,047,285 36 
161,103 20 



$886,182 16 
34,217 21 
62,082 92 



Gross cash income, $982,482 29 



Expenditures. 

Cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 



f523,501 69 
56,000 00 

186,193 88 
41,754 95 
24,502 66 
45,280 88 



177,234 06 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 



Risks and Premiums. 

Premiums. 

$97,485,681 00 $1,261,300 63 
92,097,829 00 1,092,419 02 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



$189,583,510 00 $2,353,719 65 
81,148,438 00 911,497 54 



$108,435,072 00 $1,442,222 11 
4,331,153 00 51,122 86 



Net amount in force, . 



$104,103,919 00 $1,391,099 25 



272 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fiiv losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, . 



$9,337,978 00 
4^36,812 00 

54C),888 00 

644,000 00 

56,000 00 

228,500 00 



"NEW YORK BOWERY FIRE INSURANCE COMPANY," 
NEW YORK, N. Y. 

[Incorporated April, 1833. Commenced business September, 1833.] 

Paid-up Capital, $300,000. 

HENRY SILBERHORN, President. J. FRANK PATTERSON, Secretary. 



Detailed Statement of Stocks 

Broadway & Seventh Avenue Railroad bonds, 
Rome, Watertown & Ogdensburg R.R. bonds, 
City of Minneapolis bonds, .... 
Evans. & Indianapolis Railroad bonds, . 

New York city bonds, 

240 shares Rome, Watertown & Ogdens. R.R , 

3o0 ' 

220 ■ 

(500 ' 

400 ■ 

100 ■ 



N. Y., Lackawanna & Western R.R., 

Chicago & Rock Island R.R., . 

N. Y. Central & Hudson River R R., 

Long Island Railroad, 

Chicago & Northwestern Railroad, 



and Bonds. 

Pur Value. 

$21,000 00 

2,000 00 

1,000 00 

10,000 00 

150,000 00 
24,000 00 
30,000 00 
22,000 00 
60,000 00 
20,000 00 
10,000 00 



Market Value. 

$21,840 00 

2,240 00 

1,000 00 

11,100 00 

150,000 00 
26,640 00 
34,162 38 
18,232 50 
65,100 00 
21,000 00 
11,137 50 



Securities held as collateral for cash loans 

Chesapeake & Ohio Railroad bond, 

Union Pacific Railroad bond, . 

60 shares Oriental Bank, .... 



Summary of Assets Dec 

Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
( ash in the office of the company, . 



$350,000 00 $362,452 38 

Market Value. Loaned Thereon. 

$1,170 00 $700 00 

1,037 50 1,000 00 

2,875 00 2,000 00 



$5,082 50 $3,700 00 

31, 1892. 

$16,200 00 

113 35 

362,452 38 

3,700 00 

880 46 



* Value of lands mortgaged, . 
Value ot buildings thereon, 
Amount of insurance held as collateral, 



$16,000 00 
30,r>00 00 
21,500 00 



18D2.] 



INS. COS. OF OTHER STATES. 



273 



( Sash deposited in bank, .... 

Interest du." ami accrued, .... 

Premiums in course of collection (gros 
Ete-insurance, ...... 

Gross assets, ..... 

Liabilities. 

ses adjusted, unpaid 

claimed and reported, . 
disputed or resisted, 

Total amount of Losses, .... 
Less re-insurance, 

X«'t amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 
Return premiums and re-insurance, ■ 
Gross liabilities, except capital, 

Surplus as regards policy-holdere, . 

Paid-up capital, 

Impairment of capital, . , 

Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Gross cash income, .... 



$13,174 90 

2,840 lo 

117,119 26 

4,216 66 



$56,201 82 
49,326 

2,089 38 



fl08,217 18 

49,072 20 



166,708 1" 

1,976 50 

316 00 

23,081 27 

21, 205 91 



$97,334 07 
634,938 81 

$732,272 88 
121,335 92 



$610,936 96 
258J4.'. 86 



sources, 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash dividends paid, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 



$366,443 82 
119,030 04 



'.0D7 16 



271,41*2 70 

|249,204 40 

300,000 00 



.795 00 



$352,193 10 

907 00 

17,139 40 

$370,239 50 



$247,413 18 

18,240 75 

138,418 71 

28,885 09 

9,995 39 

31,211 50 

$474,104 08 



274 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dec. 81, 1891, 
Fire risks written during 1892, 

Total, 

Deduct ri>ks expired and terminated, 

In force at end of year, 

Deduct amount re-insured. 



$03,638,213 00 
86, 196,486 00 



$99,834,699 00 
19,689,679 00 



$80,145,020 00 
64,539,636 00 



Net amount in force, . . . . $15,605,384 00 

Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, .... 



Premiums. 

$573,286 70 
634,938 81 

$1,208,225 51 
546,430 74 

$661,794 77 
351,899 78 

$309,894 99 

$9,830,236 00 

4,948,677 00 

214,520 00 

2,927,500 00 

18,000 00 

77,400 00 



« NEW YORK FIRE INSURANCE COMPANY OF THE CITY 
OF NEW YORK," NEW YORK. 

[Incorporated April 18, 1832. Commenced business Dec. 22, 1832.] 

Paid-up Capital, $200,000. 

AUGUSTUS COLSON, President. CHARLES A. HULL, Secretary. 

Office, No. 72 Wall Street, New York. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, $15,000 00 



District of Columbia bonds, 
New York city stock, 
Iowa Central Railway bonds, . 
Northern Pacific Railroad bonds, 



Summary of Assets Dec 

Cash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens*) 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Cash deposited in bank, . 

Interest due and accrued, . 

Premiums in pourse of collection (gross) 

Rents due ;in<l accrued, 

Gross assets, .... 



15,000 00 
50,000 00 
10,000 00 
10,000 00 



Market Value. 

$17,025 00 

15,300 00 

50,000 00 

8,750 00 

10,400 00 



$100,000 00 $101,475 


31, 1892. 




$90,000 


00 


20,725 


00 


549 


80 


101,475 


00 


6,160 


71 


949 


74 


10,998 


87 


1,037 


50 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$22,900 00 
30,000 00 
28,900 00 



181)2. J 



INS. COS. OF OTHER STATES. 



275 



Liabilities. 

Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued tor rent, salaries, etc., 
Commissions and brokerage, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 

Paid-up capital, .... 

Surplus over capital, . 

Income 
Premiums on risks written during 1892, 

Premiums now in course of collection, 

Entire premiums collected, 

re-insurance and return premiums, 
Net cash tire premiums received, 
Interest received on mortgages, 
interest and dividends received from all 
Income from rents, etc., . 



|30 00 

500 00 

2."), 11)9 25 

350 00 

1,270 17 



'65,818 20 
10,998 87 



$54,819 :;:; 
9,059 19 



other sources, . 



Gross cash income, . 

Expenditures. 

Cash paid for lire losses, 

Deduct salvage and re-insurance, 

Net cash paid tor lire losses, .... 

Cash paid for commissions and brokerage, 

for.salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

for repairs on real estate, 

Gross cash expenditures, .... 



$22,722 98 
56 78 



Risks and Premiums. 



Fire risks written during 1892, 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



56,966,644 00 
1,713,291 00 



$5,253,353 00 
44,000 00 



$27,349 42 



$204,547 20 
200,000 00 



$4,547 20 



t5,760 14 

1,403 75 
3,782 24 
3,775 05 



$54,721 18 



$22,666 20 
5,199 70 
8,601 50 
3,744 71 
2,950 07 
1,256 69 

$44,418 87 

Premiums. 

$65,818 20 
15,012 96 



$50,805 24 
406 75 



. $5,209,353 00 $50,398 49 



Miscellaneous. 

Premiums received from organization of company, . . $5,041,065 00 
Losses paid from organization of company, .... 2,304,298 00 

Fire losses incurred during the year, 19,319 00 

Cash dividends declared from organization of company, . 1,424,000 00 
Company's stock owned by directors, 63,900 00 



276 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 
"NIAGARA FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated July, 1850. Commenced business August, 1850.] 
Paid-up Capital, $500,000. 



PETER NOTMAN, President. 



GEORGE C. HOWE, Secretary. 



Detailed Statement of Stocks and Bonds. 



United States bonds, 

Jersey city bonds, 

Albany & Susquehanna Railway bonds, . 
Chicago, Milwaukee & St. Paul Railroad bonds, 
Fremont, Elkhorn & Missouri Val R.R. bonds, 
James River Railway bonds, . 
New York Elevated Railway bonds, 
Lake Erie & Western Railway bonds, 
Morris & Essex Railway bonds, 
King's County Elevated Railway bonds, . 
Chateaugay Ore and Iron Company bonds, 
St. Paul (Minn ) Gas Light Company bonds, 
Town of Lake (111.) Gas Company bonds, 
Kansas City water bonds, . . 

Seattle, Lake Shore & Eastern R R. bonds, 
Equi. Gas Light Company of Chicago bonds, 
UnderwYs 1 Pro. Asso of Newark (N. J.) bonds 
Toledo, Ann Arbor & Nor. Mich. R'y bonds, 

200 shares Del , Lack. & Western Railway, 

200 " Delaware and Hudson Canal Co. 
50 " Western National Bank, 

450 " American Exchange Nat'l Bank, 
1,000 " Long Island Railway, . 

100 " Consolidated Gas Company, 
District of Columbia bonds, 



Securities held as collateral for cash loans 

Alabama Midland Railway bonds, . 
Elizabeth, X. J., city bonds, 
Elizabeth, N. .1., bonds, .... 
7 shares Stamford, Conn., water stock, . 



Par Value. 

$345,000 00 
10,000 00 
15,000 00 
25,000 00 
25,000 00 
25,000 00 
20,000 00 
20,000 00 
21,000 00 
20,000 00 
25,000 00 
15,000 00 
20,000 00 
10,000 00 

9,000 00 
25,000 00 

1,000 00 

4,000 00 
10,000 00 
20,000 00 

5,000 00 
45,000 00 
50,000 00 
10,000 00 
28,000 00 



Market Value. 

f390,637 50 
11.300 00 
19,050 00 
29,250 00 
30,750 00 
24,000 00 
22,700 00 
22,300 00 
28,350 00 
20,300 00 
25,000 00 
15,750 00 
21,200 00 
10,800 00 

7,650 00 
27,250 00 

1,000 00 

4,000 00 
15,387 50 
26,850 00 

5,700 00 
70,650 00 
52,500 00 
12,700 00 
31,920 00 



$803,000 00 $926,995 00 



.Market Value Loaned Tliereon. 



$1,800 00 

1,000 00 

500 00 

700 00 



$1,50.) 00 
750 00 

1,000 00 



$4,000 00 $3,250 00 



L892.] 



INS. COS. OF OTHER STATES. 



277 



Summary of Assets Dec. 31, 1802. 



Cash value of unencumbered real estate, 
Loan-; on mortgage of real estate (first liens*), 
[nteresi due or act-rued thereon, 
stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
('ash deposited in bank, .... 

Interest due and accrued 

Premiums in course of collection (gross), 
Rents and re-insurance, .... 
Due from Caledonian Insurance Company, 
Gross assets, ..... 

Deduct special deposits in other States, . 



$778,000 00 

33,900 00 

798 75 

926,995 00 

3,250 00 

24,044 27 

14f>,375 67 

4,942 55 

241,574 28 

17,058 56 

13,253 34 



$2,190,192 42 
56,750 00 



Balance $2,133,442 42 



Liabilities. 

Losses adjusted and reported, . 

Losses disputed or resisted, 

Unearned premiums on outstanding risks, 

Dividends to stockholders unpaid, . 

( lommissions and brokerage, . 

Re-insurance, ...... 

Contingent reserve, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, . 
Paid-up capital, 



$190,992 01 

45,696 91 

' 973.123 62 

338 50 

36,890 63 

4,991 71 

25,000 00 

1,277,032 38 
39,008 73 



1,238,023 65 



$895,418 77 
500,000 00 



Surplus over capital, . 



$395,418 77 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, 

Entire premiums collected. 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 



$264,309 25 

2,154,420 70 

$2,418,729 95 

232,997 61 

$2,185,732 34 

1,253,755 27 

« $931,977 07 



* Value of lands mortgaged, $36,250 00 

Value of buildings thereon, 38,150 00 

Amount of insurance held as collateral, .... 38,150 00 



278 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Marine premiums outstanding Dec 81, 1891, 
Premiums on risks written or renewed, 

Total 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash marine premiums received, 
Interest received on mortgages, 

Interest and dividends received from all other 
Income from rents, .... 



Gross cash income, 



$4,074 87 
51,782 80 

f 55,807 67 

8,576 (17 

$47,281 00 

10,428 37 



sources, . 



$36,802 63 

l,46o 70 

55,436 91 

25,753 81 

$1,051,436 12 



Expenditures 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 

Cash dividends paid, ..... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$1,352,522 74 

180,188 22 



- $1,172,334 52 



$16,810 35 
1,951 89 



14,858 46 

50,027 50 

65,181 88 

139,758 29 

50,233 17 

150,327 12 



$1,642,720 94 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1891, 
Marine risks written during 1892, . 



Total 

Dedud risks expired and terminated, 

In force at end of year, 
Dedud amount re-insured, 

Net amount in force, . . . 



$375,159,760 00 
216,583,068 00 

$591,742,828 00 
252,108,759 00 

|339,634,069 00 
' 143.374,914 00 



Premiums. 

53,254,008 94 
2.154,420 70 



15,408,429 (it 
2,354,859 76 



'3,053,569 88 
1,191,077 59 



$196,259,155 00 $1,862,492 29 



$1,501,987 00 
1,976,757 00 



$8,478,744 00 

1,670,276 00 

$1,80*8,468 00 
342,999 00 



$36,059 00 
51,732 80 

$87,791 80 
39,920 98 

$47,870 82 
9,280 08 



$1,465,469 00 $38,590 74 



181)2.] 



INS. COS. OF OTPIER STATES. 



279 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred (hiring the year, . 

Marine and inland losses incurred during the year, . 

('ash dividends declared from organization of company, 

Dividends declared during the year (10 percent.), 

Company's stock owned by directors, . 



$32,088,796 00 

17,856,086 00 

1,047,446 00 

19,588 00 

2,284,000 00 

50,000 00 

19 1,050 00 



'•NORTHWESTERN NATIONAL [NSURANCE COMPANY OF 
MILWAUKEE, WISCONSIN," MILWAUKEE, Wis. 

[Incorporated Feb. 20, 1860. Commenced business July 1, 1869.] 

Paid-up Capital, $600,000. 

ALFRED JAMES, I' r , tidt *t. J. P. McGREGOR, Secretary. 



Detailed Statemeni of Stocks \m> Bonds. 



United State- bonds, 

Chicago, Milwaukee & st. Paul R.R. bonds, 

Milwaukee, L S. Ov: Western R.R. bond-. 
Milwaukee & Northern R.R. bond-, 
Chicago & Northwestern R R. bonds, 
Milwaukee county bonds, 
Milwaukee city bonds, 
Waukesha sewerage bonds, 



Par Value. 

f300,000 00 

215,000 00 

50,000 00 

50,000 00 

50,000 00 

60,000 <»<» 

K>9,000 00 

30,000 00 



Market Value. 

8341,950 00 
270,000 00 
63,500 00 
57,500 00 
62,500 00 
G 1,200 00 
111,580 00 
31,800 00 



$864,000 00 $1,000,030 00 



Summary of Assets Dec 

Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 



31, 1892. 

$501,300 00 

4,491 54 

1,000,030 00 

5,231 07 

118,708 48 

4,891 67 

81,363 25 



,716,016 01 



* Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$1,129,975 00 
687,500 00 
404,650 00 



280 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Liabilities. 



sea adjusted, unpaid, . 
claimed and reported, . 

disputed Or resisted, 

Total amount of losses, . 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding- risks 
Commissions and brokerage, . 

Re-insurance, 

Miscellaneous, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



$16,997 93 

15,424 00 

1,200 00 

$63,621 98 
3,508 00 

$60,113 93 

624,613 43 

20,341 81 

3,934 54 

1,458 23 



10,461 94 



. $1,005,554 07 
600,000 00 



Surplus over capital, 



$405,554 07 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1891, 

Premiums on risks written or renewed, . 

Total, 

Less re-insurance and return premiums, 
Net easli marine premiums received, 
Interest received on mortgages, 
Interest and dividends received from all other 

Gross cash income, 

Expenditures. 
( lash paid for fire losses, . 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 



$67,554 94 
230 44 



$67,324 50 
764,271 76 




$831,596 26 
81,363 25 




$750,233 01 
100,336 69 


$649,896 32 


$932 00 
53 95 


$985 95 
189 95 


796 00 


sources, . 


21,587 55 
49,409 38 


$823,865 i:> 

7,922 08 


$724,689 25 



1892.] 



INS. COS. OF OTHER STATES. 



281 



Cash paid for marine and inland losses, , 

( lash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local tax< 

for incidentals 

Gross easb expenditures, .... 



$461 57 

60,000 00 

131,029 '.'I 

61,699 00 

15,981 81 

58,507 47 



$643,623 19 



Risks and I'm. mum-. 

Premiums. 
Fire risks outstanding Dee. 31, 1891, . .$94,300,679 00 $1,118,925 30 
Fire risks written during 1892, . . . 68,122,950 00 764,2717*; 



Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1891, . 

Marine ri>ks written during 1892, . 

Total, 

Deduct ri-k- expired and terminated, 



$162,423,629 00 $1,883,197 06 
. 66,369,820 00 661,027 38 



$107,05:;.><>'.> 00 $1,222,169 68 
. 2,247,594 00 29,275 55 



104,806,215 00 $1,192,894 13 

$49,308 00 $1,933 30 
1,225 00 53 95 



$50,533 00 $1,987 25 
50,533 00 1,987 25 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Tornado losses incurred during the year, 
Marine and inland losses incurred during' the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Company's stock owned by directors, .... 



$ 10,1 24,286 00 
5,351,814 00 
319,154 00 
3,786 00 
17 00 
1,041,000 00 
60,000 00 
312,500 00 



"ORIENT INSURANCE COMPANY," HARTFORD, CONN. 

[Incorporated June, 1867. Commenced business January, 1872.] 

Paid-up Capital, $1,000,000. 

CHARLES B. WHITING, President. JAMES U. TAINTOR, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

504 shares American Nat'l Bank, Hartford, . $25,200 00 $36,288 00 

122 " .Etna National Bank, Hartford, . 12,200 00 17,690 00 

130 " Charter Oak Nat'l B"k, Hartford, . 13,000 00 14,300 00 

100 " Farm. & Mech. Nat'l B'k, Hartfd, 10,000 00 11,300 00 



282 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



152 shares Mercantile Nat'l Bank, Hartford, . 

74 " Phu-nix National Bank, Hartford, 
186 " Exchange Nat'l Bank, Hartford, . 
113 " City National Bank, Hartford, . 

71 " Firsl National Bank, Hartford, . 

1,000 M Hartford Nat'l Bank, Hartford, . 

1 ( ii i " ( !onn. Trust & Safe Dep. Co., Hart., 

2"0 " Thames Natl Bank, Norwich, 

80 " First National Bank, Norwich, 

6 " Rockville Nat'l Bank, Koekville, . 

75 " Metropolitan National B'k, N. Y., 
302 " Mechanics 1 National Bank, N. Y., 

50 " Holland Trust Company, N. Y., . 
50 " Nat.Ger. Am. B'k stock, St. Paul, M 
513 " N. Y., N. II. & Hartford Railroad, 
130 " Nau^atuck Railroad, . 
200 " N. Y. Central & Hud. Riv. R.R., 
50 " Union Pacific Railroad, 
100 " Central Pacific Railroad, 
400 " Cleveland & Pittsburgh Railroad 
200 » Chicago, Burl. & Quincy R.R., 
100 " Illinois Central Railroad, . 
100 " Chic, Rock Island & Pac. R.R., 
200 " Northwestern Telegraph Co., 

Georgia State bonds, 

County of Coffey, Kan., bonds, 

County of Lyon, Iowa, bonds, . 

County of Dickinson, Kan., bonds, 

County of Finney, Kan., bonds, 

County of Kidder, Dakota, bonds, 

County of Wichita Kan., bonds, 

City of Indianapolis, Ind., bonds, 

City of Evansville, Ind , bonds, 

City of New Brunswick, N. J., bonds, 

City of Council Bluffs, Iowa, bonds, 

City of Richmond, Va., bonds, . 

City of Norfolk, Va., bonds, 

( it y of Sioux Falls, Dakota, bonds, . 

City of Wichita Falls, Tex., bonds, . 

( 'it y of Fort Worth, Tex., bonds, 

Town of Thomaston, Conn., bonds, . 

Town of Pawtucket, R. I., bonds, . 

Medicine Lodge Township, Kan., bonds,. 

Bethany Township, Kan., bonds, 

Buckeye Township, Kan., bonds, 

Oswego Township, Kan. bond 8, 



inn 



Par Value. 

$15,200 00 

7,400 00 

9,300 00 

11,300 00 

7,100 00 

100,000 00 

10,000 On 

20,000 00 

8,000 00 

600 00 

7,500 00 

7,550 00 

5,000 00 

5,000 00 

51,300 00 

13,000 00 

20,000 00 

5,000 00 

10,000 00 

20,000 00 

20,000 00 

10,000 00 

10,000 00 

10,000 00 

25,000 00 

10,000 00 

1,000 00 

10,000 00 

10,000 00 

5,000 00 

4,000 00 

20,000 00 

20,000 00 

10,000 00 

5,000 00 

24,000 00 

20,000 00 

13,000 00 

10,000 00 

10,000 00 

15,000 00 

25,000 00 

5,000 00 

4,000 00 

2,355 00 

5,000 00 



Market Value. 

f 15,200 00 

9,694 00 

18,486 00 

12,430 00 

7,952 00 

160,000 00 

16,500 00 

29,200 00 

8,400 00 

690 00 

450 00 

15,100 00 

10,000 00 

6,000 00 

130,815 00 

33,150 00 

21,700 00 

1,937 50 

2,850 00 

31,600 00 

20,000 00 

10,000 00 

8,300 00 

10,500 00 

30.000 00 

11,200 00 

1,000 00 

11,000 00 

11,000 00 

5,600 00 

4,200 00 

22,000 00 

20,000 00 

10,700 00 

5,650 00 

33,120 00 

21,800 00 

14,560 00 

10,500 00 

10,200 00 

15,900 00 

27,500 00 

5,600 00 

1 100 00 

2,708 25 

5,250 00 



1892.] 



INS. COS. OF OTHER STATES. 



283 



Preoincl of Stanton, Neb., bonds, 

Precincl of Beaver, Neb., bonds, 

Vermont Valley Railroad Company bonds, 

Pittsburgh, Cleveland & Toledo R.R. bonds, 

Kansas Pacific Railroad bonds, 

( '., C, Cincinnati & Indianapolis R.R, bonds, 

Morris & Esses Railroad bonds, 

Chicago, Milwaukee & St. Paul R.R. bonds, 

Dayton & Michigan Railroad bonds, 

Terre Haute & Logansporl Railroad bonds, 

Chicago, Burlington & Northern R.R. bonds, 

Ohio & West Virginia Railroad bonds, . 

Columbus & Toledo Railroad bonds, 

Cincinnati, Van Wert & Michigan R.R. bonds 

East Tenn., Virginia & Georgia R.R. bonds, 

Oxford & Clarksville Railroad bonds, 

Detroit, Lansing vV Northern R.R. bonds, 

Louisville, Cincinnati & Lexington R.R. bonds 

Clarksville & North Carolina \l\\ bonds, 

Indiana & Lake Michigan Railroad bonds, 

Atchison, Topeka & Santa Fe UM. bonds, 

Chicago, Burlington & Quincy R R. bonds, 

Norfolk & Western Railroad bonds, 

New York & New England Railroad bonds, 

Valley Railroad bonds, .... 

Baltimore Belt Railroad bonds, 

Cincinnati. Dayton & I ronton Railroad bonds 

Kanawha & Michigan Railroad bonds, . 

Chicago, Rock Island & Pacific R.R bonds, 

Atlantic Dock Company bonds. 

Mason and Tazewell District, 111., bonds, 

Rutland and Grafton District, TIL, bonds, 

First Baptist Church, Nashville, Tenn., bonds, 

School District No. 4, Salamanca, N. Y., bonds, 

Kansas school bonds, 

Nebraska school bonds, . 

1 )akota school bonds, 

Minnesota school bonds, . 

Wyoming Territory school bonds, . 

Colorado school bonds, 

Texas school bonds, .... 

Washington school bonds, 

Southwestern Irrigation Company bonds, 

Arizona Improvement Company bonds, . 



I'ar Value. 

$8,000 00 

5,000 00 

25,000 00 

10,000 00 

10,000 00 

35,000 00 

10,000 00 

20,000 00 

25,000 00 

10,000 00 

1,500 00 

3,000 00 

13,000 00 

10,000 00 

15,000 00 

10.000 00 

1o,ooo 00 

10,000 oo 

10,000 00 

20,000 00 

20,000 00 

3,100 00 

10,000 00 

10,000 00 

20,000 00 

20,000 00 

10,000 00 

10,000 00 

10,000 00 

9,000 00 

25,000 00 

4,000 00 

10,000 00 

4,000 00 

25,297 00 

17,493 20 

12,000 00 

8,500 00 

3,000 00 

8,000 00 

15,000 00 

5,000 00 

5,000 00 

5,000 00 



Market Value. 

$8,800 00 

5,500 00 

28,750 00 

11,400 00 

11,200 00 

45,650 00 

14,000 00 

26,200 00 

27,250 00 

11,000 00 

1,575 00 

3,540 00 

15,340 00 

9,600 00 

b"),O00 00 

10,800 00 

10,900 00 

11,000 00 

10,800 00 

20,800 00 

14,200 00 

3,286 00 

10,000 00 

10,500 00 

20,000 00 

21,000 00 

10,000 00 

7,850 00 

10,275 00 

9,900 00 

28,000 00 

4,200 00 

10,800 00 

4,280 00 

27,161 85 

19,200 52 

13,720 00 

9,180 00 

3,450 00 

8,960 00 

15,900 00 

5,250 00 

5,100 00 

5,100 00 



,226,895 20 $1,515,738 12 



284 FIRE, MARINE, AND FIRE-MARINE [Dec. 31 



SUMMARI "l A88ETS DEC 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
[nteresl accrued thereon, .... 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
( a>h deposited in bank, .... 
Interest due and accrued, .... 

Premiums in course of collection (gross), 

Rents due and accrued, .... 

Gross assets, ..... 

Deduct special deposits in other States, . 



Balance, 



Liabilities. 
Losses adjusted and reported, . 

Losses disputed or resisted, 

Unearned premiums on outstanding" risks, 

( ommissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, . . . 

Impairment of capital, 

Income. 
Fire premiums outstanding Dec. 31, 1891, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums,. 

Net cash fire premiums received, 

.Marine premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Lntire premiums collected, 

re-insurance and return premiums, . 
NVt cash marine premiums received, 



31, 1892. 

$24,354 93 

224,769 78 

8,902 18 

1,515,738 12 

11,940 00 

14,930 06 

110,590 38 

18,404 21 

316,664 13 

573 50 



$236,841 
1,864,015 


11 

88 


$2,100,856 99 
309,314 57 


$1,791,542 
415,301 


42 

55 


$3,333 86 
96,938 91 


$100,272 
7,349 


77 
56 


$92,923 
7,<H6 


21 
36 



$2,246,867 29 
134,920 00 

$2,111,947 29 



$197,344 90 

18,586 14 

925,299 73 

56,885 44 

$1,198,116 21 
54,881 47 



$243,445 75 
6,604 64 



1,143,234 74 

$968,712 55 
1,000,000 00 

$31,287 45 



$1,376,240 87 



85,906 85 



* Total value of property mortgaged, . 
Amount of insurance held as collateral, 



$728,465 00 
98,755 00 



1892.] 



INS. COS. OF OTHER STATES. 



285 



Interest received on mortgages, ...... $13,887 82 

Interest and dividends received from all other sources, . . 75,744 95 
[ncome from rents 481 64 

Gross cash income $ 1,552,262 13 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, 

( lash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$1,004,16:. 87 
100,531 66 



$903,633 71 
31,773 42 
60,000 00 
288,892 91 
94,497 55 
27,919 75 
70,277 39 

$1,476,994 73 



Risks \m> Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1891, 
Marine risks written during 1892, . 

Total, 

Deduct risks expired aud terminated, 

In force at end of year, 



$118,856,449 00 
. 139,584,852 00 

$258,441,301 00 
117,085,979 00 



Premiums. 

$1,461,914 09 
1,864,015 88 



$141,355,322 00 
. 2,419,750 00 



$3,325,929 97 

1,561,125 11 

$1,764,804 86 

20,091 63 



$138,935,572 00 $1,744,713 23 



$579,421 00 
8,042,824 00 

^8,622,245 00 
7,857,131 00 



$16,693 49 
96,938 91 



$113,632 40 
85,374 26 



$765,114 00 $28,258 14 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . . . . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, . 



$11,380,191 00 
6,867,030 00 
958,782 00 
36,066 00 
985,000 00 
60,000 00 
106,200 00 



281) FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 
"PACIFIC FIRE [NSCRANCE COMPANY," NEW YORK, N. V. 

[Incorporated April 86, 1851. Commenced business April 29, 1851.] 
PAID-UP Capital, $200,000. 
FRANK T. STINSON, Prtsident. GEORGE JEREMIAH, Secretary, 

Detailed Statement of Stocks and Bonds. 



United States bonds, 

New York city bonds, 

Broadway & Seventh Avenue Railroad bonds, 
New York Central & Hudson River R.R. stock, 
Rome, Watertown & Ogdensburg R.R. stock, 



Securities held as collateral for cash loans : — 
Syracuse, Binghamton & N. Y. R.R. bonds, . 



Par Value. Market Value. 

$138,000 00 fl56,300 00 

247,000 00 248,350 00 

10,000 00 10,500 00 

20,000 00 21,800 00 

15,000 00 16,650 00 



$430,000 00 $453,600 00 



Market Value. Loaned Thereon. 

$2,610 00 $1,500 00 



Summary of Assets Dec. 31, 1892. 

Loans on mortgage of real estate (first liens*), $212,400 00 

Interest due or accrued thereon, . . . 1,741 33 

Stocks and bonds, as per schedule, . . . 453,600 00 

Loans on collateral security, as per schedule, . 1,500 00 

Cash in the office of the company, . . . 6,197 89 

Cash deposited in bank, 12,552 04 

Interest due and accrued, 3,609 17 

Premiums in course of collection (gross), . 55,655 56 

Re-insurance, 44 .85 

Premiums more than 3 months due, $3,064 26 

Gross assets, $747,300 84 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 



$16,513 94 

30,220 50 

750 00 

$47,484 44 
7,3:52 87 

$40,151 57 
238,365 01 



Value of lands mortgaged, 

Value of buildings thereon, 

Amount of insurance held as collateral, 



$183,400 00 
282,600 00 
346,200 00 



1892.] 



INS. COS. OF OTHER STATES. 



287 



Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Return premiums and re-insurance,. 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



Surplus over capital, 



$383 33 
13,378 27 

7,577 10 



Income. 

Fire premiums outstanding Dec. 31, 1891, . $39,502 12 
Same not collected, 592 53 

Net collected, $ 38,909 50 

Premiums on risks written or renewed, . . 12:5,324 54 

Total, $462,234 13 

Premiums now in course of collection, . . 58,719 82 

Entire premiums collected, .... $403,514 31 
Less re-insurance and return premiums, . . 84,67G 24 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Gross cash income, 

Expenditures. 
Cash paid for fire losses, $180,012 05 

Deduct salvage and re-insurance, . . . 22,476 79 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



$48,267,956 00 
45,322,510 00 



$93,590,466 00 
37,700,151 00 



$299,855 28 

$447,445 56 
200,000 00 

$247,445 56 



$318,838 07 

9,170 73 

14,804 17 

$342,812 97 



$158,135 26 
20,000 00 
66,944 68 
23,978 24 
6,138 49 
17,278 59 

$292,475 26 



Premiums. 

$409,511 41 
423,324 54 

$832,835 95 
329,292 28 



$55,890,315 00 
4,242,425 00 



$503,543 67 
39,321 29 



Net amount in force, . 



$51,647,890 00 $464,222 38 



288 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received From organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 j »« -r cent.), 
Company's stock owned by directors, . 



56,392,847 00 

3,280,181 00 

167,670 00 

1,338,000 00 
20,000 00 
40,200 00 



"PENNSYLVANIA FIRE INSURANCE COMPANY," 
PHILADELPHIA, PA. 

[Incorporated March, 1825. Commenced business April, 1825.] 

Paid-up Capital, $400,000. 

R. DALE BENSON, President. W. GARDNER CROWELL, Secretary. 

Detailed Statement of Stocks and Bonds. 

l'ar Value. Market Value. 

United States bonds, $45,000 00 $51,300 00 

Philadelphia city bonds, 40,000 00 45,450 00 

Phila., Wil. & Baltimore Railroad bonds, . 115,000 00 117,000 00 

Philadelphia & Erie Railroad bonds, . . 75,000 00 85,500 00 

Pennsylvania Railroad bonds, .... 99,000 00 112,840 00 

United Companies of New Jersey bonds, . 60,000 00 63,000 00 

Easton & Amboy Railroad bonds, . . . 50,000 00 54,750 00 

Philadelphia & Reading Railroad bonds,. . 93,500 00 94,075 00 

Philadelphia & Reading Car Trust bonds, . 50,000 00 50,000 00 

Philadelphia & Reading Railroad bonds, . . 25,000 00 26,500 00 

Phila. & Reading R.R. Terminal Co. bonds, . 50,000 00 53,250 00 

Lehigh Valley Railroad bonds, . . . 133,000 00 152,050 00 

Elmira & Williamsport Railroad bonds, . . 25,000 (.0 3<>,000 00 

West Jersey Railroad bonds, .... 10,00000 11,70000 

Pa. and New York Canal and R.R. Co. bonds, . 124,000 00 132,750 00 

Western Pennsylvania Railroad bonds, . . 4,0()0 00 4,040 00 

Chicago & Western Indiana Railroad bonds, . 41,000 00 45,920 00 

The, Jacksonville, Louisville &St.L. R.R. bonds, 32,000 00 30,600 00 

Shamokin,Sunbury & Lewisbnrg R.R. bonds, . 20,000 00 20,600 00 

Coining, Cowanesque & Antrim R.R. bonds, . 17,000 00 17,000 00 

Terre Haute & Logansporl Railroad bonds, . 50,000 00 52,500 00 

N.w V,,ik & Long Branch Railroad bonds, . 25,000 00 26,750 00 

N<»il hern Pacific Railroad bonds, . . . 40,000 00 47,200 00 

st. Paul cV- Northern Pacific Railroad bonds, . 30,000 00 36,000 00 

Lehigh Valley Coal Company bonds, . . 25,000 00 iv.,750 00 

Pittsburgh, McKeesport & Yough R.R. bonds, 20,000 00 24,000 00 

Pin-., Yoimgstown & Ashtabula R.R. bonds, . 26,000 00 26,000 00 

Cleve , Col., Cin. & [ndianapolia R.R. bonds, . 30,000 00 36,900 00 

Grand Rapids & Indiana Railroad bonds, . 21,000 00 13,650 00 

New York, Lake Erie & Western R.R. bonds, 23,000 00 25,070 00 



1892.] 



IXS. COS. OF OTHER STATES. 



289 



Oregon & Pacific Railroad bonds, . 
Knoxyille Water Company bonds, . 
American Steamship Company of Phiia. bonds, 
Lehigh Coal and Navigation Company bonds, 
Chesapeake and Delaware Canal Co. bonds, . 
Delaware Division Canal Company bonds, 
Car Trust of New York bonds, 
Huntingdon and Broad Top Car Trust bonds 
Huntington County, Ind., bonds, 
Harrisburg city bonds, .... 
St. Louis city bonds, ..... 
Cincinnati city bonds, .... 
Cit}- of Springfield, 111., bonds, 
City of Topeka, Kan., bonds, . 
Kansas City, Kan., bonds, 

Newark city bonds, 

Wabash Railroad Company bonds, . 
Pittsburgh Junction Terminal Company bonds 
Newburgh & New York Railroad bonds, 
Northern Central Railroad Company bonds, 
Baltimore & Ohio Equipment Asso. bonds, 
Baltimore & Ohio Railroad bonds, . 
Baltimore Belt Railroad bonds, 
West Knoxville General Imp. Company bonds 
Atlantic City Railroad bonds, . 
Camden Horse Railroad bonds, 
200 shares Philadelphia National Bank, . 
Allegheny Valley Railroad, 
440 shares Bellefonte Central Railroad, . 
10 shares Philadelphia Bourse, 



Tar Value. 

620,000 00 
15,000 00 
15,000 00 
20,000 00 
10,000 00 
25,000 00 
14,000 00 
40,000 00 
20,000 00 
18,000 00 
25,000 00 
53,000 00 
45,000 00 
45,216 00 
18,000 00 
20,000 00 
20,000 00 
25,000 00 
15,000 00 
30,000 00 
32,000 00 
50,000 00 
5(»,000 00 
20,000 00 
30,000 00 
25,000 00 
20,000 00 
10,000 00 
22,000 00 
500 00 



Market Value. 

$5,000 00 
15,000 00 
15,535 00 
21,800 00 
6,200 00 
25,000 00 
13,300 00 
40,000 00 
20,800 00 
18,740 00 
30,000 00 
65,280 00 
46,850 00 
46,350 00 
18,000 00 
20,700 00 
16,000 00 
25,000 00 
15,750 00 
35,400 00 
32,000 00 
57,500 00 
51,500 00 
22,000 00 
31,200 00 
25,000 00 
40,600 00 
11,100 00 
11,000 00 
250 00 



$2,150,216 00 $2,295,000 00 



Securities held as collateral for cash loans : — 

10 shares German-American Insurance Co., 

15 " Manayunk National Bank, . 

10 rt Ninth National Bank, . 

5 " Moorestown National Bank, 

5 " Fire Ins. Co. of the Co. ofPhila., . 

9 " Penn. Co for Ins. on Lives, etc., . 

5 " Penn. Fire Ins. Co. stock, 1,500 00 

4 " United Companies of N. Jersey, . 

65 " Insurance Co. of North America, 

26 " Germania Fire Insurance Co., 

40 " Manayunk National Bank, . 

25 " Northwestern National Bank, 

95 " Calumet & Hecla Mining Co., . 

300 " Huntingdon & Broad Top R.R., . 



Market Value. Loaned Thereon. 



$3,100 00 
2,700 00 
1,440 00} 
1,000 00 > 
610 00 ' 
4,770 OO^j 
- J 
920 00 \ 
1,495 00 I 
4,550 00 J 
7,200 00 
3,925 00 
27,550 00 
12,000 00 



}2,200 00 
2,000 00 

2,500 00 



5,000 00 



9,000 00 

10,000 00 
10,000 00 



2!M> 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



300 shares Northern Pacific Railroad, . 
100 " Philadelphia & Erie Railroad, 
800 " Huntingdon & Broad Top R.R., 

100 " Metropolitan Traction Co., . 
200 " Metropolitan Traction Company 
100 M Baltimore Traction Company, 

100 " Metropolitan Traction Company 
100 " Philadelphia Traction Company 
3,200 " Lehigh Valley Railroad, 
1,134 " Delaware & Bound Brook R.R., 

200 M Huntingdon & Broad Top R.R., 
100 4i Northern Pacific R.R. Co. stock, 
200 " People's Pass. Railway Co. stock 
100 " Chic, Mil. & St. 1"1 R.R. Co stock 
200 " Huntingdon & Broad Top R.R., 
100 " United Gas Improvement Co., 
322 " Hestonville Passenger Railway, 
350 " Baltimore Traction Company, 
200 " Northern Pacific Railroad, . 
100 " Delaware & Bound Brook R.R , 
221 " North Pennsylvania Railroad, 
500 " Union Insurance Company, . 
25 " Western National Bank, 
100 " Keystone Watch Case Company, 
50 " New England Loan & Trust Co. 

Lombard Investment, .... 

105 shares Lehigh Coal & Navigation Co , 
10 shares Commonw'th Title Ins. & Trust Co. 

Pittsburgh, Cincinnati & St. Louis R.R., . 

Boston United Gas bonds, 

40 shares Pennsylvania Railroad, . 

CO " North Pennsylvania Railroad, . 
5 " Girard Fire Insurance Company, 

10 " German American Insurance Co., 

Gloucester Turnpike Company, 

Texas & Pacific Railroad, 

200 shares Baltimore Traction Company, 

100 " Metropolitan Traction Company, 

100 " Hestonville Passenger Railway, 

200 " Lehigh Valley Railroad, . 

Chesapeake & Ohio Railroad, . 

Huntingdon & Broad Top Railroad, 

Sclnu lkill River East Side Railroad, 

Texas & Pacific Railroad, . 

30u shares Northern Pacific Railroad, 

ion " Hestonville Passenger Railway, 
10 " Lehigh Valley Railroad, . 



Market Value. I 

f 13,650 00 £ 
3,250 00 S 
9,6i,0 00 

13,625 00 

27,250 00 ? 
2,850 00 S 

13,625 00 t 

11,550 00b 
184,000 00 
181,440 00 
9,500 00^ 
1,600 00 

11,500 00 
7,750 00 j 

11,000 00 £ 
6,500 00 \ 

12,719 00 ^j 
9,975 00 
3,200 00 J 

16,000 00 ^ 

18,785 00 \ 
1,125 00 > 
2,450 00 ) 
5,000 00 ' 
6,750 00 
4,750 00 j 
5,512 00 
, 800 00 
1,160 00 

21,750 0o 
2,180 00 
5,100 00 
1,750 00 
3,100 00 

10,000 00 
1,350 00^1 
5,700 00 

13,625 00 ; 
3,950 00 j 

11,500 00 
6,090 00 
2,060 Oo ^ 
1,085 00 j 
4,050 00 
7,750 00 
3,950 00 
575 00 J 



oaned Thereon. 

$15,000 00 
20,000 00 
20,(00 00 

18,000 00 

160,000 00 
138,000 00 

)> 25,000 00 

15,000 00 
20,000 00 

31,000 00 
J. 15,000 00 




} 20,000 00 
15,000 00 

')> 16,000 00 



$773,741 00 $605,700 00 



1802.] 



IXS. COS. OF OTHER STATES. 



291 



Summary of Assets Dec. 31, 1892. 



Cash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens*), 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, 

Loans on collateral security, as per schedule, 

(ash in the office of the company, 

Cash deposited in bank, . 

Interest due and accrued, . 

Premiums in course of collection (gross), 

Rents due and accrued, 

Gross assets, 
Deduct special deposits in other States, 



Balance, $3,793,860 63 



$134,500 00 

495,820 00 

6,916 22 

2,295,000 00 

605,700 00 

2,156 73 

73,585 95 

8,878 81 

227,466 26 

641 66 



$3,845,160 63 
51,300 00 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Deposits received for perpetual fire risks, 

Gross cash income, .... 



$38,732 56 

137,090 65 

7,860 00 

1,122,788 99 

695,133 13 

24,000 00 

$2,025,605 33 
28,404 00 



1,997,201 33 

. $1,796,659 30 

400,000 00 

. $1,396,659 30 



$184,153 12 
1,856,246 61 

$2,040,399 73 
227,466 26 

$1,812,933 47 
333,211 75 



sources, 



f 1,479,721 72 

22,114 66 

137,769 49 

1,962 44 



$56,315 78 



. $1,641,568 31 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$1,679,400 00 
334,550 00 



&92 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



EXPEKDITURtS. 

Cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local ta*ces, . 
for incidentals, . 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, .... 



$26,225 19 



$936,547 38 

6<),000 00 

$78,171 75 

49,590 00 

31,902 50 

72,904 83 

. $1,524,116 46 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 



Risks and Premiums. 

Premiums. 

f 165,490,998 00 $2,006,087 47 
159,684,995 00 1,856,246 61 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



$325,175,993 00 $3,862,334 08 
128,530,580 00 1,552,295 81 



$196,645,413 00 $2,310,038 27 
10,246,516 00 121,060 07 



Net amount in force, .... $186,398,897 00 $2,188,978 20 
Perpetual risks in force (not included above), 30,381,807 00 757,468 83 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (15 per cent.), 
Company's stock owned by directors, . 



$22,428,548 00 

13,169,289 00 

970,000 00 

2,589,000 00 

60,000 00 

55,100 00 



•« PEOPLE'S FIRE INSURANCE COMPANY," MANCHESTER, N. H. 

[Incorporated August, 1885. Commenced business November, 1885.] 
Paid-up Capital, $500,000. 



J. C. MOORE, President. 



S. B. STEARNS, Secretary. 



Detailed Statement of Stocks 



United States government bonds, 
Hillsborough County, N. II., bonds, 
City of Manchester, N. II., bonds, 
City of Portsmouth, N. II., bonds, 
( Ihichester, X. EL, town bond, . 
Waubunsee County, Kan., bonds, 
State of Illinois drainage bonds, 

James River Valley Railroad bonds 



and Bonds. 

Par Value. 

$30,000 00 
2,500 00 
3,500 00 

10,000 00 
1,000 00 
5,000 00 
7,000 00 

10,000 00 



Market Value. 

$155,000 00 
2,750 00 
3,850 00 

10,500 00 
1,060 00 
6,000 00 
8,000 00 

11,500 00 



1802.] 



TXS. COS. OF OTHER STATES. 



293 



New Hampshire Trust Co., Manchester, X. FT., 

Kansas Investment Co., Top«ka, Kan., bonds, . 
Security Trust Co., Nashua, N. II., bonds, 
St. (loud, Minn., Gas and Electric Co. bonds,. 
N. Eng. Loan and Trust Co., Boston, Mass., bonds, 
Nashua Trust Co., Nashua, N. II., bonds, . 
Manchester, N. II., Electric Light Co. bonds, . 
City of Rapid City, Dakota, bonds, . 
Cleveland, Chagrin Falls £ Nbrth'n R.R. bonds, 
Globe Investment Co., Boston, Mass., bonds, . 

Jeffrey, N. II., bonds, 

San Miguel Co., New Mexico, bonds, 
City of South Omaha bond, .... 
City of South Omaha bond, .... 
School bond, Park Place, P. O., Oregon, . 
Town of Forman, North Dakota, bond, . 
Atlanta Consol. Street Railway Co., bonds, 
60 shares Gran. State Tr. Co., Manchester, N.IL, 



Tar Value. 

$25,000 00 

12,900 00 

18,000 00 

3,000 00 

5,000 00 

5,000 00 

10,000 00 

1,000 00 

15,000 00 

1,900 00 

2,500 00 

5,000 00 

4,500 00 

4,000 00 

2,500 00 

1,000 00 

12,000 00 

5,000 00 

9,300 00 

8,800 00 

1,000 00 

1,000 00 

6,000 00 



93 " Security Trust Co., Nashua, N. II., . 

88 " First National Bank, Marion, Kan., 

10 " Winchester, N. II., Bank, 

10 " Woodsville, N. II., Guar. Saw B% 

60 " Union Trust Co., Sioux City, Iowa, 

45 " Lake Vil. and Laconia, N.I I., Water Wks, 2,250 00 

150 " KM B'k of the ConTth, Manchester, N.II., 15,000 00 

50 " Merrimack Mort. Co., Manchester, N.H., 5,000 00 

50 " Nat'l Bank of Lakeport, N. H., . 5,000 00 

40 " Northwest Invest. Co., Montesano, Wash., 4,000 00 



Market Value. 

$25,000 00 

12,900 00 

18,000 00 

3,300 00 

5,000 00 

5,000 00 

11,000 00 

1,100 00 

15,000 00 

1,900 00 

2,500 00 

5,500 00 

4,500 00 

4,000 00 

2,500 00 

1,000 00 

13,200 00 

5,500 00 

11,160 00 

10,120 00 

1,200 00 

1,000 00 

7,200 00 

2,700 00 

16,500 00 

5,250 00 

5,500 00 

4,400 00 



$259,650 00 $280,590 00 



Securities held as collateral for cash loans : — 

5 shares Security Trust Co., Nashua, N. H., . ) 
Mortgage Note Union Trust Co., . . . > 
1,221 shares Francestown Soapstone Co.,N. H , 
St. Louis & San Francisco Railway bonds, 
34 shares Guaranty Savings Bank, . 
50 shares Lake Village & Laconia H. R.R., 
Mortgage Note, J E. Clifford, .... 

44 shares Nashua Trust Co., Nashua, N. H , . 

30 ■ 



Merrimack Mortgage and Deb. Co., 

Manchester, N. H., 
NM B'k of Com'th, Manchester, N.H., 
Laconia Car Company, . 
Merrimack Mortgage Company, . 
Germania Fire Insurance Company, 
Lancaster Trust Company, 



15 
150 ' 

20 ■ 

24 ' 

10 « 
Chicago, Burlington & Quiney R.R. bonds, 



Market Value. 

$ 1,300 00 

12,210 00 
3,600 00 
4,512 00 
4,900 00 
5,750 00 
4,800 00 

3,300 00 

1,650 00 

18,000 00 

2,200 00 

1,200 00 
6,000 00 



Loaned Thereon. 

$950 00 

5,000 00 
3,000 00 
3,200 00 
3,900 00 
5,000 00 
4,400 00 

3,000 00 

1,500 00 

15,000 00 
2,000 00 
1,000 00 
1,000 00 
5,000 00 



294 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



182 Bhares Union Trust Co., Sioux City, la., 

Mortgage notes, ..... 
100 Bhares Merrimack Mortgage and Deb. Co., 

Manchester, X. II., 

90 shares X'l H'kof Com'th, Manchester, N. II., 
Burton Stock Car Company bonds. . 



:i 



Market Value. Loaned Thereon. 

820,638 87 §15,000 00 
11,000 00 10,000 00 



9,900 00 
18,000 00 



9,000 00 
15,000 00 



$128,960 87 §102,950 00 



Summary of Assets Dec. 31, 1892. 

Loans on mortgage of real estate (first liens*), $300,700 60 

5,131 49 
280,590 00 
102,950 00 
16,817 71 
173,418 24 
13,312 06 
119,915 18 



Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 



Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 

Total amount of losses, . . . 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Return premiums and re-insurance, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



Income. 



Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 



$23,129 14 

25,671 92 

2,000 00 



81,012,835 28 



850,801 06 
5,743 82 



845,057 24 

363,777 87 

18,000 00 

5,749 03 



432,584 14 

8580,251 14 
500,000 00 



,251 14 



895,636 67 
772,193 79 

8867,830 46 
113,381 31 

1754,449 15 
179,574 it 



8574,874 71 



* Value of lands mortgaged, 
Value of liuildings thereon, 
Amount of insurance held as collateral, 



$290,670 00 
220,210 00 
165,050 00 



1892.] 



INS. COS. OF OTHER STATES. 



295 



Marine premiums outstanding Dec. 81, 1891, 
Premiums on risks written or renewed, 



Total 

Premiums now in course of collection, 

Entire 1 premiums collected, 
Less l-c-insurancc and return premiums, 
Net casb marine premiums received, 
Interest received on mortgages, 
Interest and dividends received from all 
Received for increased capital, . 

Gross cash income, 



Expenditures. 

Cash paid for lire losses, 

Deduct salvage and re-insurance, 

Net cash paid for tire losses, .... 

Cash dividends paid, ...... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



$6,368 98 
29,166 01 

$35,534 99 
6,533 87 

$29,001 12 
1,275 47 



ther sources, . 

. $150,000 00 



$466,993 21 
76,686 87 



$27,725 65 
19,963 25 
21,212 36 



f643,775 97 



$390,306 34 
21,000 00 
140,884 55 
26,845 82 
14,232 43 
37,905 65 

$631,174 79 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, . 



Risks and Premiums. 

Tremiums. 

. $59,877,688 00 $698,292 73 
. 62,276,197 00 772,193 79 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1891, 
Marine risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



$122,153,885 00 $1,470,486 52 
. 62,629,133 00 767,429 93 



$59,524,752 00 $703,056 59 
41,130 59 



. 3,114,702 


00 


. f 56,4 10,050 00 

. $763,196 00 
. 1,019,330 00 


. $1,782,526 
. 1,008,411 


00 
00 


. $774,115 

10,000 


00 
00 



$661,926 00 

$22,144 50 
29,166 01 

$51,310 51 
26,634 14 

$24,676 37 
487 50 



Net amount in force, . 



$764,115 00 $24,188 87 



296 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 

Premiums received from organisation of company, 

Losses paid from organization of company, 

Fire losses incurred during the year, . 

Cash dividends declared from organization of company, 

Dividends declared during the year, . 

Company's stock owned by directors, . 



$3,243,843 00 

1,789,690 00 

398,680 00 

82,500 0<> 

21,000 00 

161,200 00 



"PHENIX INSURANCE COMPANY," BROOKLYN, N. Y. 

[Incorporated Sept. 10, 1853. Commenced business Sept. 10, 1853.) 
Paid-up Capital, $1,000,000. 
GEORGE P. SHELDON, President. CHARLES C. LTTTLE, Secretary. 



Detailed Statement of Stocks and Bonds. 



United States bonds, .... 

District of Columbia bonds, 
New York city stock, .... 
Nassau Gas Light Co., Brooklyn, certificates, 
People's Gas Light Co., Brooklyn, bonds, 
Equitable Gas Light Co., New York, bonds, 
Ohio Southern Railroad bonds, 
New York Elevated Railroad bonds, 
Broadway & Seventh Avenue R.R. bonds, 
N. Y., Bk'lyn & Manhattan Beach R.R. bonds 
Kings County Elevated Railway bonds, 
Pacific Railroad Co. of Missouri bonds, 
Toledo & Ohio Central Railroad bonds, 
Chesapeake & Ohio Railway bonds, 
Michigan Central Railroad bonds, . 
Atchison, Topeka & Santa Fe R.R. notes, 
Louisville, S. Louis & Texas Railway bonds, 
Louisville & Nashville Railroad bonds, . 
Chicago, Mil. & St. Paul Railway bonds, 
Milwaukee & Northern Railroad bonds, . 
Norfolk & Western Railroad bonds, 
Calvary Cem., Greenp'nt & Bk'lyn R R. bonds 
Northern Pacific Terminal bonds, 
Missoula County. M. T.. bonds, 

United states Illuminating Company bonds, 
Lake Gas Company of Chicago bonds, . 
Lehigh & Wilkesbarre Coal Company bonds, 

Board oi Trade, Chicago, certificate, 

.00 shares Dry Dock, E. BMw'y & Battery R.U., 



Par Value. 

$645,000 00 
20,000 00 
762,000 00 
17,C00 00 
10,000 00 
10,000 00 
25,000 00 
50,000 00 
15,000 00 
50,000 00 
50,000 00 
100,000 00 
25,000 00 
25,000 00 
25,000 00 
50,000 00 
22,000 00 
25,000 00 
13,000 00 
25,000 00 
25,000 00 
37,000 00 
25,000 00 
12,000 00 
25,000 00 
50,000 00 
25,000 00 
2,700 00 
5,000 00 



Market Value. 

$741,750 00 

22,900 00 

822,960 00 
17,000 00 
10,100 00 
10,700 00 
27,500 00 
57,500 00 
15,750 00 
52,000 00 
51,250 00 

100,250 00 
27,000 00 
25,500 00 
25,000 00 
50,000 00 
20,900 00 
25,750 00 
13,520 00 
28,500 00 
23,750 00 
41,070 00 
26,250 00 
13,200 00 
25,500 00 
51,000 00 
27,500 00 
2,700 00 
8,250 00 



18D2.] INS. COS. OF OTHER STATES 297 

Par Value. Market Value. 

GOO Bhares New York & Harlem Railroad, . #30,000 00 $81,000 00 

1,000 " N. Y., New Haven & Har. R.R., . 100,000 00 255,000 00 

1,549 " Morris & Essex Railroad, . . 77,450 00 120,822 00 

2,000 " Beech Creek Railroad, . . . 100,000 00 92,500 00 

1,000 " Delaware & Hudson Canal Co., . 100,000 00 131,000 00 

2,000 " PHts.,McKees.,Ypugh>yR.R.Co., 100,000 00 123,000 00 

inoo " American Sugar Refining Co., . 100,000 00 100,000 00 

Ohio Southern R.R. Co., "Car Trusts," . . 80,000 00 80,000 00 

200 shares American Ex. Xat'l Bank, N. Y , . 20,000 00 31,600 00 

50 " Nat'l Shoo and Leather B'k, N. Y., 5,000 00 8,000 00 

300 " St, Nicholas .Bank, N.Y., . . 30,000 00 40,500 00 

386 " Xafl Hank of the Republic, N. T., 38,600 00 68,129 00 

87 " Nat'l Bank of Commerce, N.Y., . 8,700 00 17,400 00 

200 " Fourth National Bank, N. Y., . 20,000 00 41,200 00 

100 " Mercantile National Bank, N.Y.,. 10,000 00 23,000 00 

200 " National Park Bank, N. Y„ . . 20,000 00 64,000 00 

323 " Chatham National Bank, N. Y., . 8,075 00 34,318 75 

80 " Commercial B'k, Brooklyn, N. Y., 4,800 00 7,680 00 

408 " Mechanics' Bank, Brooklyn, N. Y., 20,400 00 55,080 00 

254 " Nafl City Bank, Brooklyn, N. Y., 12,700 00 55,880 00 

80 " Natl Bank of Illinois, Chicago, . 8,000 00 24,000 00 

500 " Williamsburg Gag Light Co., . 25,000 00 37,500 00 

110 " Western Union Telegraph Co., . 11,000 00 10,450 00 

100 " Bond and Mortgage jGuar. Co , . 10,000 00 11,000 00 

Underwriters' Protective Association, Newark, 1,000 00 1,000 00 



$3,111,425 00 $3,882,109 75 



Summary of Assets Dec. 31, 1892. 

Cash value of unencumbered real estate, . $401,000 00 

Loans on mortgage of real estate (first liens*), 157,200 00 

Interest due or accrued thereon, . . . 2,581 88 

Stocks and bonds, as per schedule, . . . 3,882,109 75 

Cash in the office of the company, . . . 339 12 

Cash deposited in bank 468,230 88 

Interest due and accrued, 10,001. 31 

Premiums in course of collection (gross), . 1,242,516 53 

Rents due and accrued, 3,643 77 

Gross assets, 

Deduct special deposits in other States, 



1,167,623 24 
201,250 00 



Balance, $5,966,373 24 



♦Value of lands mortgaged, $111,400 00 

Value of buildings thereon 196,000 00 

Amount of insurance held as collateral, .... 160,800 00 



298 



FIRE, MARINE, AXD FIRE-MARINE [Dec. 31, 



Liabilities. 
Losses claimed and reported, . 

Losses disputed or resisted, 

Unearned premiums on outstanding risks, 

Due and accrued for rent, salaries, ete., . 

Commissions and brokerage, . 

Return premiums and re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$282,126 42 

46,713 64 

4,038,348 51 

350 60 

139,928 11 

70,819 26 

54,578,286 57 
130,220 13 



Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, . . * 

Interest and dividends received from all other 

Income from rents, 



$4,448,066 44 

$1,518,306 80 
1,000,000 00 

$518,306 80 



Gross cash income, .... 

Expenditures. 
Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for incidentals, .... 



$1,226,402 32 
5,298,179 17 

$6,524,581 49 
1,242,516 53 

$5,282,064 96 
705,281 40 



sources, 



$4,576,783 56 

8,343 96 

96,790 95 

76,068 47 

$1,757,986 94 



1,576,935 51 
77,095 03 



Gross cash expenditures, . 

Risks and Premiums. 



$2,499,840 48 
100,000 00 
894,720 90 
308,173 54 
68,053 63 
380,144 24 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892,. 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$4,250,932 79 

Premiums. 

$7,265,661 86 
5,298,179 17 

$12,563,84103 
4,752,369 11 

',811,471 92 
180,287 88 

$589,231,866 00 $7,681,184 04 



$559,774,750 00 

432,123,362 00 

$991,898,112 00 

389,742,247 00 

$602,155,865 00 

12,923,999 00 



1892.] 



IXS. COS. OF OTHER STATES. 



299 



Miscellaneous. 

Premiums received from organization of company, 

is paid from organization of company, 
Fire losses incurred during the year, . 

Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, . 



$86,448,339 00 
44,420,594 00 
2,548,429 00 
3,274,000 00 
100,000 00 
206,800 00 



"PIKEXIX INSURANCE COMPANY," HARTFORD, CONN. 

[Incorporated May, 1854. Commenced business June, 1854.] 

Paid-up Capital, $2,000,000. 

D. W. C. SKILTON", President. GEO. H. BURDICK, Secretary. 



300 shares 


1,000 


ii 


50 


ii 


125 


it 


1G2 


ii 


160 


u 


100 


ii 


300 


ii 


175 


ii 


400 


it 


1,030 


u 


400 


ii 


100 


ii 


133 


ii 


250 


ii 


108 


ii 


800 


it 


100 


ii 


340 


ii 


250 


ii 


200 


ii 


760 


ti 


200 


ii 


440 


ii 


500 


ii 


500 


it 


500 


ii 


300 


ii 



Detailed Statement of Stocks and Bonds. 

Par Vaiue. Market Value. 

aitna National Bank, Hartford, . $30,000 00 $42,600 00 

American Nat'l Bank, Hartford, . 50,000 00 76,000 00 

Atlantic Trust Company, N. Y., . 5,000 00 16,500 00 

Central Trust Company, N. Y., . 12,500 00 150,000 00 

Charter Oak N'l Bank, Hartford, 16,200 00 17,172 00 

City Bank, Hartford, . . . 16,000 00 17,280 00 

Connecticut River P/k, Hartford, 5,< 00 00 5,000 00 

Farm, and Mec. N'l Bank, Hartford, 30,000 00 33,600 00 

First National Bank, Wallingford, 17,500 00 19,250 00 

Franklin Trust Company, N. Y., . 40,000 00 120,800 00 

Hartford Nat'l Bank, Hartford, . 103,000 00 164,800 00 

Hartford Trust Co., Hartford, . 40,000 00 52,000 00 

Home National Bank, Meriden, . 10,000 00 12,300 00 

Imperial Bank, Toronto, Ont., . 13,300 00 24,239 25 

Metropolitan National Bank, Cin., 12,000 00 500 00 

Merchants' Exch. Nat'l B'k, N.Y., 5,400 00 7,236 00 

Mercantile Nat'l Bank, Hartford, 80,000 00 80,000 00 

Nafl Shoe and Leather B'k, N. Y., 10,000 00 16,400 00 

National Exch. Bank, Hartford, . 17,000 00 22,100 00 

Nat'l Ger.-American B'k, St. Paul, 25,000 00 30,000 00 

New Britain N'l B'k, New Britain, 20,000 00 32,000 00 

Phoenix National Bank, Hartford, 76,000 00 99,560 00 

State Bank, Hartford, . . . 20,000 00 21,000 00 

Waterbury Nat'l B'k, Waterbury, 22,000 00 44,000 00 

Bald Eagle Valley Railroad, " . 25,000 00 50,000 00 

Chic, Burlington & Quincy R.K., 50,000 00 48,750 00 

Chic, Rock Island & Pacific R.R., 50,000 00 42,000 00 

Chicago & Alton Railroad, . . 30,000 00 43,500 00 



300 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



500 shares Cleveland & Pittsburgh Railroad 
500 " Fort Wayne & Jackson Railroad 
120 " Hartford & Conn. Western R.R. 
1,000 " Illinois Central Railroad, . 
1,000 " Morris & Essex Railroad, . 
1,500 " X. Y., X. II. & Hartford Railroad 
2-*>0 " New York & Harlem Railroad, 
500 " N. Y r . Cent. & Hudson River R.R. 
500 " Peoria & Bureau Valley Railroad 
500 " Pittsburgh, McKeesport & Y. R.R. 
500 " Rensselaer & Saratoga Railroad 
500 " Sharon Railroad of Pennsylvania 
660 " Ilolyoke Water Power Company 
1,600 " Northwestern Telegraph Co., 

400 " West End St. Railway Co., Boston 
Atlantic Mutual Insurance Company scrip, 
Georgia State bonds, .... 

Atlantic Dock Company bonds, 
Ashland, Oregon, water bonds, 
Brantford, Canada, city bonds, . 
Guelph, Canada, city bonds, 
Victoria, Canada, bonds, .... 
Columbus, Ohio, improvement bonds, 
Fostoria, Ohio, water bonds, 
Hannibal, Mo., school bonds, . 
Leavenworth city and Ft. L'worth water b'ds 
Council Bluffs, Iowa, improvement bonds, 
Northwestern Telegraph Company bonds, 
Xaumkeag Street Railway Company bonds, 
Superior, Wis., improvement bonds, 
Urbana, Ohio, gas bonds, 
Canadian Pacific Land Grant Railroad bonds, 
Cedar Rap., Iowa Falls & N. West. R'y bonds 
Chicago & Northwestern Railway bonds, 
Chicago & Western Indiana Railroad bonds, 
Chicago & Western Indiana Railroad bonds, 
Columbus & Western Railroad bonds, 
Chicago, Burlington & Quincy Railroad bonds 
Erie Railway consols, .... 
Minneapolis Union Railway bonds, . 
N. Y., Lackawanna & Western R.R. bonds, 
New York & New England Railroad bonds, 

Pittsburgh, Cleveland & Toledo R.R. bonds, 

Terre Haute & Logansport Railroad bonds, 
Texas & New Orleans Railroad bonds, . 



Tar Value. 

$25,000 00 
50,000 00 
12,000 00 

100,000 00 
50,000 00 

150,000' 00 
12,500 00 
50,000 00 
50,000 00 
25,000 00 
50,000 00 
25,000 00 
66,000 00 
80,000 00 
20,000 00 
99,450 00 
25,000 00 
75,000 00 
50,000 00 
25,000 00 
24,000 00 
20,000 00 
19,000 00 
25,000 00 
36,000 00 
25,000 00 
5,500 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
44,000 00 
50,000 00 
50,000 00 
63,000 00 

100,000 00 

100,000 00 
10,000 00 
50,000 00 
50,000 00 
50,000 00 
57,000 00 
50,000 00 
50,000 00 
54,000 00 



Market Value. 
3,750 00 

58,000 00 

3,840 00 

99,250 00 

76,500 00 

382,500 00 
32,500 00 
55,000 00 
85,000 00 
31,125 00 
92,000 00 
26,500 00 

211,200 00 
86,000 00 
29,000 00 

105,417 00 
29,000 00 
82,500 00 
54,500 00 
28,250 00 
27,600 00 
22,400 00 
20,330 00 
26,250 00 
38,520 00 
27,500 00 
5,830 00 
29,750 00 
26,250 00 
26,250 00 
27,250 00 
49,500 00 
52,500 00 
57,500 00 
78,080 00 

117,000 00 

110,000 00 
10,700 00 
69,500 00 
58,500 00 
66,000 00 
69,540 00 
56,000 00 
56,500 00 
(12,640 00 



^2,903,350 00 14,082,809 25 



1892.] 



IXS. COS. OF OTHER STATES. 



301 



unties held as collateral for cash loans: — 

182 shares Travelers Insurance Company, 

if 
240 ' 

7" ' 

50 

64 
I 
100 • 

25 ' 



Market Value. Loaned Thereon. 



Hartford Carpet Company, 
Landers, Frary & Clark, 
So. New England Telephone Co., . 
Atlantic Dock Company, 
Hartford Carpet Company, 
Pitts., Ft Wayne & Chicago R.R., 
Adams Express Company, 
Holyoke Water Power Company, . 



$:57,492 00 

1,000 00 
7,200 00 I 
5,250 00 S 
5,000 00 
6,400 00 
15,000 00 
15,000 00 
7,500 00 



$18,752 50 
630 00 

10,000 00 

10,000 00 

20,000 00 
2,500 00 



$99,842 00 $61,882 50 



Summary of Assets Dec. 31, 1892. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest doe or accrued thereon, 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the office of the company, . 

deposited in bank, .... 

Interest due and accrued 

Premiums in course of collection (gross), 
Rents due and accrued, .... 

Gr 9S ssets, 

Deduct special deposits in other States, . 



1836373 80 

462,046 "1 

56,433 84 

4,082,809 25 

61,882 50 

44,679 64 

304,276 97 

2,381 64 

532,684 54 

1,250 87 



$5,884,322 06 
211,250 00 



Balance, $5,673,072 06 



Liabilities. 

Losses adjusted and reported, . 

Losses disputed or resisted, 

Unearned premiums on outstanding risks, 

Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special depusits, . 



Surplus as regards policy-holders, . 
Paid-up capital, 



$448,439 30 

18,786 91 

2,112,831 71 

64,000 00 

$2,644,057 92 
178,517 35 
2,465,540 57 



Surplus over capital, . 



. $3,207,531 49 
. 2,000,000 00 

. $1,207,531 49 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insuiance held as collateral, . 



$769,100 00 
218,090 00 
121,075 00 



302 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Fire premiums outstanding Dee. 31, 1891, 
Premiums on risks written or renewed, . 



Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 



Gross cash income, 



$438,290 78 
3,845,802 16 

$4,284,098 94 
632,684 54 

$3,751,414 40 
445,109 36 



sources, 



$3,306,305 04 

27,074 73 

206,777 60 

7,040 96 



1,547,198 33 



Expenditures. 

Cash paid for fire losses, $2,149,125 09 

])educt salvage and re-insurance, . . . 30,168 59 

Net cash paid for fire losses, .... 

Cash dividends paid, ..... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 



$2,118,956 50 
280,000 00 
640,119 27 
150,377 60 
59,976 19 
331,785 19 

$3,581,214 75 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1891, . $348,340,378 00 $3,8<)5,345 53 
Fire risks written during 1892, . . 358,477,778 00 3,845,802 16 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



$706,818,156 00 $7,651,147 69 
360,418,939 00 3,603,166 13 



$346,399,217 00 $4,047,981 56 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (14 per cent.), . 
Company's stock owned by directors, .... 



$52,018,910 00 

31,146,745 00 

2,110,136 00 

5,845,000 00 

280,000 00 

82,200 00 






1892.] 



INS. COS. OF OTHER STATES. 



303 



"TROVIDEKCE WASHINGTON INSURANCE COMPANY;' 
PROVIDENCE, R. I. 

[Incorporated 1799. Commenced business 1799.] 

Paid-up Capital, $400,000. 

J. H. DeWOLF, President. E. L. WATSON, Secretary. 



Detailed Statement of Stocks 



Boston & Providence Railroad bonds, 

Baltimore <V Ohio Railroad bonds, . 

Bath Gas and Electric Light Company bonds, 

Rensselaer & Saratoga Railroad bonds, . 

Lehigh Valley Railroad bonds, 

Movris & Essex Railroad bonds, 

New York & New England Railroad bonds, 

300 shares Nat 1 ] Bank of Commerce, N. Y., 

110 ■ 

100 ' 

800 ' 
1,600 ' 

300 ' 
320 
500 

400 ' 
500 
500 
300 
200 
202 
500 
20 
563 
400 
1,500 



National Park Hank, N. Y., . 
N. V. Mutual Gas Light Co., N.Y. 
American Nat 1 ] Bank, Providence 
Blackstone Canal N'l B'k, Prow, 
Commercial N'l B'k, Providence 
Lime Rock Nat'l B'k, Providence 
Manufacturers 1 Nat'l B'k, Prow, 
Merchants 1 Nat 1 ! B'k, Providence 
Mechanics 1 Nat'l B'k, Providence 
Nat'l Bank of Commerce, Prow, 
Nat'l Bank of No. America, Prov. 
National Eagle Bank, . 
Weybossett National Bank, . 
Union Railroad Company, . 
Providence Gas Company, . 
Bath Gas & Elec. Lt. Co., Bath, Me 
Chicago & Alton Railroad, . 
Chicago & Northwestern Railroad 
What Cheer Corporation, 



and Bonds. 

Tar Value. 

$125,000 00 
25,000 CO 

4,000 00 
12,000 00 
50,000 00 
25,000 00 

8,000 00 
30,000 00 
11,000 00 
10,000 00 
40,000 00 
40,000 00 
21,200 00 
15,010 00 
32,000 00 
25,000 00 
20,000 00 
25,000 00 
25,000 00 
15,000 00 
10,000 00 
20,200 00 
25,000 00 

2,000 00 

56,300 00 

40,000 00 

200,000 00 



Market Value. 

$130,000 00 
28,750 00 

3,500 00 
17,040 00 
52,250 00 
34,000 00 

9,520 00 
60,000 00 
34,100 00 
14,500 00 
34,800 00 
38,400 00 
18,656 00 
12,000 00 
44,480 00 
33,250 00 
22,400 00 
28,500 00 
23,500 00 
17,100 00 
11,100 00 
41,814 00 
40,250 00 
500 00 
81,635 00 
44,800 00 
200,000 00 



41,700 00 $1,076,845 00 



Summary of Assets Dec 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Premiums more than 3 months due, $2,033 51 
Gross assets, 



31, 1892. 

$1,076,845 00 

556 74 

83,222 62 

201,754 79 

55,909 04 



$1,418,288 19 



304 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 

Income. 
Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total, . . . . 
Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1891, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, 



$11,241 98 

151,419 59 

19,495 62 

$182,157 19 
50,570 54 

8131,586 Go 

760,438 93 

41,789 04 



$137,411 20 
1,236,926 90 

$1,374,338 10 
139,130 83 

$1,235,207 27 
297,655 78 

$149,163 06 
529,619 59 

$678,782 65 
120,831 51 



Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest and dividends received from all sources, 

Gross cash income, 

Expenditures. 
Cash paid for fire losses, .... 

Deduct Balvage and re-insurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

( lash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for Slate and local taxes, . 

for incidentals, .... 

Gross cash expenditures, . 



$557,951 14 
153,769 30 



$933,814 62 



$484,473 57 
400,000 00 



$84,473 57 



$937,551 49 



404,181 84 
51,633 05 

$1,393,366 38 



$757,894 63 

77,734 72 

$347,065 86 

76,767 51 



$680,159 91 



270,298 35 
12,000 00 

293,388 86 
70,590 24 
29,544 86 
94,261 67 



$1,450,243 89 



1892.] 



ixs. cos. of othp:r states. 



305 



Risks and Premiums. 



Fire risk- outstanding Doc. 31, 1891, 
Fire risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1891, 
Marine risks written during 1892, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$139,031,700 00 

117,325,195 00 

$256,356,895 00 

124,244,643 00 

$132,112,252 00 

14,275,585 00 



Premiums. 

'1,409,723 96 
1,236,926 90 



12,646,650 86 

1,182,477 02 

51,464,173 84 
144,629 30 



$117,836,667 00 $1,3 19,54-4 54 



$10,711,854 00 
120,332,676 00 

$131,044,530 00 
123,211,406 00 

f 7,883,1 24 00 

3,517,198 00 



$293,033 01 
529,619 59 

$822,652 60 
566,679 72 

$255,972 88 
93,775 14 



$4,315,926 00 $162,197 74 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (3 per cent.), . 
Company's stock owned by directors, .... 



$20,893,801 00 

12,219,634 00 

669,155 00 

236,620 00 

2,052,563 00 

12,000 00 

38,450 00 



" QUEEN INSURANCE COMPANY OF AMERICA," NEW YORK, N. Y. 

[Incorporated Sept. 11, 1891. Commenced business Sept. 11, 1891.] 

Paid-up Capital, $500,000. 

JAS. A. MACDONALD, President. GEO. W. BURCHELL, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, $510,000 00 



District of Columbia bonds, 
New York City bonds, . 
New Zealand stock, 
Quebec loan,. 



270,000 00 

200,000 00 

49,000 0J 

24,500 00 



Market Value. 

$577,575 00 

305,466 77 

201,500 00 

49,000 00 

24,500 00 



306 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Manitoba debentures, 

Halifax, X. S , stock, 

150 shares New York & Harlem Railroad, 
295 M United New Jersey R.R. & Canal Co 

517 " X. Y., Lack. & Western Railroad, 
950 M Koine, Watertown & Og. R.R., 
360 M Pittsburgb.FortWayne&Chic.R.R 

1,400 M Morris & Essex Railroad, 

250 " Rensselaer & Saratoga Railroad, 
Farmers 1 Loan i\: Trust Company stock, 
New York, Lackawanna & Western R.R. bonds 
Chicago & Southwestern Railroad bonds, . 
North Wisconsin Railroad bonds, 
Chicago, Burlington & Quincy Railroad bonds, 
Chicago, Rock Island & Pacific R.R. bonds, 
Fremont, Klkhorn & Mo. Railroad bonds, . 
Chicago, ^Milwaukee & St. Paul Railroad bonds, 
Chicago & Northwestern Railroad bonds, . 
Baltimore & Ohio Railroad bonds, 
Pennsylvania Railroad bonds, 
M orris & Essex Railroad bonds, . 
Michigan Central Railroad bonds, 
Central Railroad of New Jersey bonds, 
Lake Shore & Michigan Southern R.R. bonds, 
Canada Southern Railroad bonds, 
Chicago, St Paul, Minn. &. Omaha R.R. bonds, 
Albany & Susquehanna Railroad bonds, 
Detroit <& Bay City Railroad bonds, . 
Northern Pacific Railroad bonds, 
Louisville & Nashville Railroad bonds, 
Evansville & Indianapolis Railroad bonds, . 
Ohio & Mississippi Railroad bonds, 
Consolidated Gas Co. of New York bonds, . 



Par Value. 

$29,400 00 

60,000 00 

7,500 00 

29,500 00 

51,700 00 
95,000 00 
36,000 00 
70,000 00 
25,000 00 
10,000 00 

200,000 00 
10,000 00 
30,000 00 
40,000 00 
35,000 00 
10,000 00 

106,000 00 
50,000 00 
10,000 00 
50,000 00 

110,000 00 
43,000 00 
80,000 00 
40,000 00 
25,000 00 
25,000 00 
25,' 00 00 
20,000 00 
45,000 00 
15,000 00 
25,000 00 
6,000 00 
20,000 00 



Market Value. 

$29,400 00 
66,000 00 
19,076 20 
65,769 35 
56,125 01, 

106,135 00 
55,613 30 

103,650 10 
42,437 50 
71,600 00 

229,488 22 
10,854 68 
36,832 20 
4:5,336 69 
35,393 54 
11,928 46 

109,168 05 
52,263 13 
10,369 86 
50,982 90 

142,669 17 
46,094 29 
85,863 23 
47,142 30 
26,096 95 
28,964 94 
29,728 35 
24,534 28 
50,901 62 
16,27-4 21 
25,742 62 
5,615 00 
20,480 58 



$2,487,600 00 $2,914,573 50 



Summary of Assets Dec 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for lire risks, . 

Re-insurance, 

Gross assets, 

Deduct special deposits in other States, . 



31, 1892. 

$2,914,573 50 

19,906 54 

190,005 24 

40,439 13 

369,570 80 

3,690 37 

730 07 



$3,538,915 65 
420,400 00 



Balance $3,118,515 65 



1892.] 



INS. COS. OF OTHER STATES. 



307 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Due for borrowed money, 

Mate and local ta\< -....'. 
Commissions and brokerage, . 
Return premiums, ..... 
Re-insurance, etc., 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, 

Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 



$92,347 09 

146,697 60 

8,814 84 



$217,859 53 
6,835 69 

$241,023 84 
1,647,943 78 

4.805 89 
11,486 66 

7,965 46 
56,563 40 
37,686 74 

9.806 92 

$2,017,282 69 

263,766 73 $1,753,515 96 



$1,364,999 69 
500,000 00 

$864,999 69 



$280,840 27 

2,651,559 91 

^2,932,400 18 

373,261 17 



Entire premiums collected, .... $2,559,139 01 
Less re-insurance and return premiums, . . 512,984 05 
Net cash fire premiums received, . . . 

Interest and dividends received from all sources, . 

Income from re-insurance premiums,* 

Gross cash income, 



- $2,046,154 96 
111,927 42 
144,298 01 

. $2,302,380 39 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash paid for commissions and brokerage, 



$1,977,458 49 
640,180 94 



for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



- $1,337,277 55 

341,409 57 

148,500 46 

22,852 36 

172,493 14 

. $2,022,533 08 



* Canadian business of the Queen Insurance Company of England. 



308 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 



Risks and Premiums. 

Premiums. 

$272,046,735 00 $3,064,871 62 
228,982,468 00 2,651,559 91 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, 



$501,029,203 00 $5,716,431 53 
212,057,920 00 2,394,680 33 



$288,971,283 00 $3,321,751 20 
12,760,010 00 131,969 68 



$276,211,273 00 $3,189,781 52 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, 
Company's stoek owned by directors, 



. $3,624,226 00 

. 1,433,461 00 

. 1,418,166 00 

7,500 00 



"THE READING FIRE INSURANCE COMPANY," READING, PA. 

[Incorporated July 8, 1867. Commenced business July 8, 1867.] 

Paid-up Capital, $250,000. 

WM. A. ARNOLD, President. S. E. ANCONA, Secretary. 



Detailed Statement of Stocks and Bonds. 



Philadelphia & Reading Railroad bonds, 

Perkiomen Railroad bonds, 

Wan-en & Franklin Railroad bonds, 

United States bonds, 

250 shares Reading Gas Company, . 

124 " So. Reading Market House Co., 

200 " East Pennsylvania Railroad, . 

150 " National Union Bank, Reading, 

60 " Farmers' National Bank, Reading, 
In') " Second National Bank, Reading, 
7.">7 " Reading Trust Company, 

70 " Reading City Passenger Railway, 
Reading City Passenger Railway bonds, . 
South Reading Market House Company scrip, 



Par Value. 

$36,000 00 

2,000 00 

1,000 00 

10,000 00 

6,250 00 

3,100 00 

10,000 00 

3,750 00 

1,500 00 

10,000 00 

73,700 00 

3,500 00 

500 00 

900 00 



Market Value. 

$34,705 00 

2,050 00 

1,006 50 

11,400 00 

15,000 00 

4,030 00 

11,200 00 

12,525 00 

4,150 00 

17,500 00 

95,810 00 

5,600 00 

500 00 

900 00 



$162,200 00 $216,376 50 



1892.] 



INS. COS. OF OTHER STATES. 



309 



Securities held as collateral for cash loans : — 



100 shares Reading Trust Company, 
36 " Second National Bank, . 
8 " First National Hank, 

Reading Foundry Company bonds, . 

Mortgage bond, ..... 

150 shares Key-tone Wagon Company, . 
89 " South Reading Market House, 
15 " Reading Gas Company, . # . 

Reading Trust Company, 

Life interest in real estate, 



Market Value. 

$14,300 00 

6,125 00 

1,720 00 

25,000 00 

800 00 

15,000 00 

1,267 50 

900 00 

400 00 

4,000 00 



Loaned Thereon. 

$7,225 00 

800 00 

1,500 00 

25,000 00 

800 00 

9,000 00 

1,500 00 

100 00 
140 00 



$69,512 50 $46,065 00 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Perpetual insurance deposit, 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Dividends to stockholders unpaid, . 
State and local taxes, 
Commissions and brokerage, . 
Return premiums and re-insurance, 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 

Surplus over capital, . 



31, 1892. 

$51,217 34 

300,025 79 

4,295 61 

216,376 50 

46,065 00 

1,418 70 

48,033 07 

850 79 

55,884 36 

101 39 

565 00 



$25,072 22 

36,559 70 

4,342 06 

275,671 10 
3,996 88 
1,137 20 
1,000 00 
8,870 20 
6,549 08 



$724,833 55 



363,198 44 

$361,635 11 
250,000 00 

$111,635 11 



* Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



70 00 
588,450 00 
318,543 00 



310 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Fire premiums outstanding Dec. 31, 1891, . $49,78.") 41 
Premiums on risks written or renewed, . . 493,152 82 

Total, |542,938 26 

Premiums now in course of collection, . . 55,950 28 

Entire premiums collected, .... $486,987 98 
I.. 9S re-insurance and return premiums, . . 99,378 46 

Net cash fire premiums received, . . . « 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Income from rents, 

Commissions, 

Deposits received for perpetual lire risks, . . $79 09 



7,609 52 

17.669 68 

11,964 36 

3,678 31 

4,999 15 



Gross cash iucome, $ 425,921 02 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, . 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, ..... 

Risks and Premiums. 



$269,541 70 

3,087 18 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



. $38,044,892 00 
. 39,447,547 00 

. $77,492,439 00 
. 32,059,313 00 



$45,433,126 00 
754,634 00 

. $44,678,402 00 



P.rpctual risks in force (not included above), $142,750 00 

Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire Losses incurred during the year, .... 
Cash dividend- declared from organization of company, 
Dividends declared during the year (l percent.), . 
Company's stock owned by directors, .... 



$266,454 52 
10,060 00 
79,555 98 
12,375 25 
7,045 28 
30,280 27 



$405,771 30 



Premiums. 

$468,681 95 
493,152 82 

$961,834 77 
421,965 50 



$539,869 27 
9,432 54 

$530,436 73 
$4,207 24 



|2,481,840 00 

1,254,822 00 

285,638 00 

;;ii7,. r )6i 00 
10,000 <><» 
54,090 00 



1892.] 



IXS. COS. OF OTHER STATES. 



311 



"THE RELIANCE INSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated April 21, 1841. Commenced business Aug. 9, 1844.] 

Paid-up Capital, $300,000. 

THOMAS C HILL, President. CHAS. J. WISTER, Jr., Secretary. 



Dktailed Statement of Stocks 



United States bonds 

Philadelphia city bonds 

Pittsburg city water works bonds, . 
Scranton city water works bonds, 
Rochester city water works bonds, . 
City of Quincy, 111., bonds, 
American Steamship Company bonds, 
United Company of New Jersey bonds, . 
Lehigh Coal & Navigation Company bonds, 
Lehigh Valley Railroad bonds, 
Easton & Amboy Railroad bonds, . 
North Pennsylvania Railroad bonds, 
Louisville & Nashville Railroad bonds, . 
Northern Central Railroad bonds, . 
Philadelphia & Erie Railroad bonds, 
Philadelphia & Baltimore Central R.R. bonds 
Pennsylvania Railroad bonds, . 
Steuben ville & Indiana Railroad bonds, . 
Camden & Atlantic Railroad bonds, 
Philadelphia, Wilmington & Bait. R.R. stocks 
Pennsylvania Equipment Trust certificates, 
New York & Pacific Car Trust certificates, 
200 shares Commercial National Bank, . 
40 shares Mechanics 1 National Bank, 
Allentown Terminal Railroad bonds, 
Penn. & New York Canal and R.R. bonds, 
American Water Works Company bonds, 
Philadelphia & Reading Railroad bonds, 
Delaware River Ferry Company bonds, . 
Lehigh Valley Railroad consols, 



and Bonds. 
Car Value. 
9 15,000 00 
55,000 00 
30,000 00 
15,000 00 
20,000 00 
15,000 00 

5,000 00 

5,000 00 
20,000 00 
20,000 00 
20,000 00 
15,000 00 

8,000 00 
10 000 00 
25,000 00 
10,000 00 

4,000 00 
10,000 00 
30,000 00 
25,000 00 
15,000 00 

2,000 00 
10,000 00 

4,000 00 
15,000 00 
60,000 00 
10,000 00 
10,000 00 
10,000 00 
25,0u0 00 



Market Value. 

$ 16,950 00 
58,912 00 
35,400 00 
15,075 00 
26,600 00 
15,000 00 

5,175 00 

5,150 00 
21,800 00 
22,000 00 
22,000 00 
18,300 00 

8,960 00 
11,650 00 
28,500 00 
10,300 00 

4,460 00 
10,600 00 
31,500 00 
25,000 00 
15,000 00 

2,000 00 
11,200 00 

4,040 00 
15,000 00 
64,800 00 
10,000 00 
10,300 00 
10,000 00 
25,500 00 



$518,000 00 $561,202 00 



Summary of Assets Dec. 31, 1892. 

Cash value of unencumbered real estate, . $119,000 00 

Loans on mortgage of real estate (first liens*), 107,900 00 

Interest clue or accrued thereon, . . . 1,444 11 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, . 



$106,500 00 

140,000 00 

78,500 00 



312 FIRE, MARINE, AXD FIRE-MARINE [Dec. 31, 



Stock- and bond-, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in hank, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Perpetual insurance deposit, 

Gross assets, 



$501,202 00 
8,666 93 

21,728 09 

25,511 64 

744 00 

1,665 00 



$842,861 77 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies, 
Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 

Surplus over capital, . 



$18,924 01 

46,111 89 

1,647 00 

$66,682 90 
5,380 00 

$61,302 90 

147,328 31 

127,652 52 

400 00 

1,500 00 

617 62 



338,801 35 

$504,060 42 
300,000 00 

$204,060 42 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from all other sources, 

Deposits received for perpetual fire risks, 

Gross cash income, .... 



$21,128 53 

284,404 22 

$305,532 75 

25,511 64 

$280,021 11 

49.551 30 



sources, 



$7,418 25 



$230,469 81 

4,752 59 

27,591 52 

2,958 56 



$265,772 48 



18!»2.] 



INS. COS. OF OTHER STATES. 



313 



§169,189 34 
6,881 72 



Expenditures. 
Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Not cash paid for lire losses, .... 

Cash dividends paid, ...... 

Cash paid tor commissions and brokerage, 

lor salaries of officers and employees, 

for State and local taxes, 

for incidentals, ..... 

Deposits returned on perpetual fire risks, . .$7,456 25 

Gross cash expenditures, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total 

Deduct risks expired and terminated, 

In force at end of year. . 
Deduct amount re-insured, 



. $25,629,958 00 
. 28,982,713 00 



.$54,612,671 00 
. 26,532,731 00 



$28,079,940 00 
1,982,935 00 



$162,307 62 
18,000 00 
45,166 26 
14,168 02 
3,783 41 
15,466 42 



$258,891 73 

rremiums. 

$247,055 47 
284,404 22 



$531,459 69 
231,949 42 



$299,510 27 
18,773 91 



Net amount in force $26,097,005 00 $280,736 36 

Perpetual risks in force (not included above), $5,071,443 00 $138,002 73 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent), . 
Company's stock owned by directors, .... 



$3,129,636 00 

2,028,043 00 

189,608 00 

772,597 00 

18,000 00 

41,850 00 



"ROCHESTER GERMAN INSURANCE COMPANY OF ROCHESTER, 
NEW YORK," ROCHESTER, N. Y. 

[Incorporated Feb. 16, 1872. Commenced business Feb. 23, 1872.] 

Paid-up Capital, $200,000. 

FREDERICK COOK, President. H. F. ATWOOD, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

Rochester Railway bonds, .... $100,000 00 

Georgia State bonds, 25,000 00 

Virginia State bonds, 15,000 00 

German- American Bank of Rochester stock, . 10,000 00 

Rochester Title Insurance Company stock, . 10,000 00 

Rochester city orders, 11,224 74 



Market Value. 

$98,000 00 
27,250 00 
10,800 00 
17,500 00 
10,000 00 
11,224 74 



$171,224 74 $174,774 74 



314 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
stocks and bonds, as per schedule, 
Cash in the office of the company, 
( lash dp posited in hank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
(ir»»ss assets, ..... 
Deduct special deposits in other States, . 



31, 1802. 

§190,829 84 

395,190 00 

5,716 84 

174,774 74 

1,037 50 

106,206 87 

812 00 

87,569 71 



$962,137 50 
63,050 00 



Balance, $899,087 50 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

[nteresl and dividends received from all other 

Income from rents, .... 

Income from all other sources, 

Gross cash income, 



$20,995 75 

37,130 00 

2,265 00 

459,032 88 

1,884 51 



$521,308 14 
28,208 44 



493,099 70 

. $105,987 80 
200,000 00 

. $205,987 80 



$86,059 38 

800,138 29 

$886,197 67 

87,569 71 



$798,627 96 
227,954 92 



sources, 



$570,673 04 
18,757 64 

5,614 44 
12,684 23 

9,051 86 

$616,781 21 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$4.56,940 00 
614,000 00 
390,325 00 



1892.] 



INS. COS. OF OTHER STATES. 



315 



Expenditures. 

i paid for fire losses 

Deducl salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, .... 

Gross cash expenditures, .... 

Risks and Premiums. 



1378,762 72 
52,866 64 



§326,396 08 
20,000 00 
142,415 35 
25,602 00 
14,892 57 
42,917 63 



Fire risks outstanding Dec. SI, 1891, 
Fire risk- written during 1892, 

Total 

Deduct risks expired and terminated, 

In force at end <>f year, 
Deduct amount re-insured, 

Net amount in force. . 



. $64,695,824 00 

. 67,458,551 00 

$132,154,375 00 

. 48,966,562 00 



.$83,187,813 00 
. 6,601,592 00 



$572,223 63 

Premiums. 

$718,290 08 
800,138 29 

1,518,428 37 
568,360 81 

$950,067 56 
81,327 00 



.$76,586,221 00 $868,740 56 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . . .. . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$6,241,623 00 

3,472,342 00 

345,012 00 

339,000 00 

20,000 00 

37,450 00 



"RUTGERS FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated Oct. 3, 1853. Commenced business Oct. 10, 1853.] 

Paid-tjp Capital, $200,000. 

EDWARD B. FELLOWS, President. HENRY C. KREISER, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

District of Columbia bonds, .... $50,000 00 

5i 10 shares N. Y. Central & Hudson River R.R , 50,000 00 

300 " Delaware, Lacka. & Western R.R., . 15,000 00 

400 " Delaware & Hudson Canal Co., . 40,000 00 

300 " Consolidated Gas Company, N. Y., . 30,000 00 

50 " Long Island Railroad, . . . 2,500 00 

187 " Tradesmen's National Bank, N. Y., 7,480 00 

N. Y. Elevated Railroad bond, .... 1,000 00 



Market Value. 

$57,500 00 

54,562 50 

23,100 00 

53,600 00 

37,725 00 

2,637 50 

8,377 60 

1,140 00 



$195,980 00 $238,642 60 



316 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 
Securities held as collateral for cash loans: — 

Market Va'ue. Loaned Thereon. 

160 shares North River Insurance Co., . . $3,000 00 $2,200 00 

Summary of Assets Dec. 31, 1892. 



Cash value of unencumbered real estate, . 

Loans on mortgage of real estate (first liens*), 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, . 

Cash in the office of the company, . 

( Jash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (gross), 
Premiums more than 3 months due, . $208 60 
Gross assets, 



$09,500 00 

39,000 00 

705 83 

238,042 00 

2,200 00 

4,012 32 

12,857 00 

2,052 00 

5,971 02 



$375,031 93 



Liabilities. 








Losses adjusted, unpaid, .... 


$2,631 


27 




Losses claimed and reported, . 


8,395 


00 




Unearned premiums on outstanding risks, 


51,362 


22 




Commissions and brokerage, . 


732 


77 




Return premiums and re-insurance, 


613 


50 




Gross liabilities, except capital, . 






00,704 82 




Surplus as regards policy-holders, . 


$308,807 11 








200,000 00 


Surplus over capital, .... 


$108,867 11 


Income. 








Fire premiums outstanding Dec. 31, 1891, 


$1,291 


09 




Same not collected, 


55 


25 




Net collected, 


$1,235 84 




Premiums on risks written or renewed, . 


100,265 


30 




Total 


$107,501 


14 


• 


Premiums now in course of collection, . 


6,239 


02 




Entire premiums collected, . 


$101,201 


52 




Less re-insurance and return premiums, . 


12,590 09 




Net cash fire premiums received, 






$88,671 13 






Interest received on mortgages, 


. 


. 


1,611 30 


Interest and dividends received from all other 


sources, . 


. 


11,411 39 




. 


. 


2,292 74 


Gross cash income, 


$104,019 86 




$68,500 00 






49,200 00 


Amount of insurance held as collateral, . 


. 


39,150 00 



1892.] 



INS. COS. OF OTHER STATES. 



317 



Expenditures. 

( lash paid for fire losses, . 

Deduct salvage and re-insnrance, 

Net cash paid for lire losses, 

Cash dividends paid, . 

(ash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local tav 

for incidentals, 

Gross cash expenditures, .... 



$54,786 31 
92 08 



f 54,694 23 

20,000 00 

17,977 11 

13,410 98 

1,930 68 

7,522 05 

8115,535 95 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$12,145,469 00 

11,983,886 00 

$24,129,355 00 

11,703,077 00 

$12,426,278 00 

259,141 00 



Premiums. 

$90,427 25 
106,265 30 

$196,692 55 
85,631 25 

f 111,061 30 

2,362 13 



112,167,137 00 $108,699 17 



Miscellaneous. 

Premiums received from organization of company, . . $3,264,342 00 

Losses paid from organization of company, .... 1,341,37000 

Fire losses incurred during the year, 55,246 00 

Cash dividends declared from organization of company, . 1,062,000 00 

Dividend- declared during the year (10 percent.),. . 20,000 00 

Company's stock owned by directors, 58,925 00 



"SECURITY INSURANCE COMPANY OF NEW HAVEN," 
NEW HAVEN, CONN. 

[Incorporated April, 1841. Commenced business April, 1841.] 

Taid tr Capital, $250,000. 

CHAS. S. LEETE, President. H. MASON, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Tradesmen's Nat'l Bank (New Haven) stock, . $16,000 00 $23,200 00 

Second Nafl Bank (New Haven) stock. . . 10,000 00 17,000 00 

Merchants" Nat'l Bank (New Haven) stock, . 13,300 00 12,502 00 

Yale National Bauk (New Haven) stock, . 16,300 00 18,256 00 

New Haven Nafl Bank (New Haven) stock, . 19,000 00 32,680 00 

New Haven Co. Nat. Bank (New Hav.) stock, 18,090 00 25,687 80 

American Exchange Nat. Bank (N. Y.) stock, 10,000 00 15,700 00 



318 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Commerce National Bank (New York) stock, 
New Haven Water Company stock, 
Southern X. ]•]. Telephone Company stock, 
New York, New I lawn & Hart. U.K. stock, . 
Chicago, Hock Island *.v. Pacific R.R. stock, 
Macon (Ga.) Gas, Water & Light Co. bonds, . 
Chicago, Mil. & St. Paul Railroad bonds, 
Minneapolis iv. St. Louis Railroad bonds, 
Savannah & Western Railroad bonds, 
New York & New England Railroad bonds, . 
Cleveland, ( incinnati, Chicago & St. Louis R*v, 
Columbus & Hocking Coal & Iron Company,. 
Omaha, Nebraska city bonds, .... 
Council Bluft's, Iowa, city bonds, 
Superior, Wis., city bonds, .... 



Securities held as collateral for cash loans : — 



New Haven Water Company stock, . 
City Bank, New Haven, stock, . 
Mechanics' Bank, New Haven, stock, 
Third National Bank, Rockford, 111., stock, 

Mortgage assigned, 

United States Rubber Company stock, . 
Herring-llall-Marvin Compan}* stock, . 
New York & New England Railroad bonds, 
Boston Electric Light Company stock, . 



Par Value. 

$5,000 00 

3,800 00 

5,000 00 

15,000 00 

11,()00 00 

10,000 00 

5,000 00 

4,000 00 

10,000 00 

5,000 00 

10,000 00 

10,000 00 

10,000 00 

4,000 00 

10,000 00 



^larkct Value. 

8:',950 00 

17,952 00 

3,500 00 

.".\550 00 

9,130 00 

8,000 00 

5,850 00 

5,200 00 

7,500 00 

5,100 00 

9,400 00 

10,000 00 

10,5i 00 

4,200 00 

10,000 00 



$225,490 00 $299,857 80 



Market Value. Loaned Thereon. 



$1,020 00 

2,875 00 

390 00 

6,000 00 

7,500 00 

5,000 00 

2,000 00 

5,500 00 

1,150 00 



$800 00 
2,500 00 

5,000 00 
5,000 00 
4,000 00 
1,500 00 

5,000 00 



1,435 00 $23,800 00 



Summary of Assets Dec 
Cash value of unencumbered real estate,. 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
( ash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Re-insurance, 

Gross assets, 



31, 1892. 

$46,000 00 

104,850 00 

1,191 46 

299,857 80 

23,800 00 

83 00 

77,686 64 

1,468 42 

78,622 16 

5,562 01 

1,031 78 



$700,153 27 



Value of lands mortgaged, 

Value of buildluge thereon, 

Amount of insurance held as collateral, . 



$418,575 00 
1 •-'0,700 00 
120,700 00 






INS. COS. OF OTIIEK STATES. 



319 



Liabilities. 

. unpaid, . 
claimed and reported, . 
disputed or resisted, 

1 amount of losses, 

-insurauce, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risk 
( isE - and br _•■, . 

miuma and re-insurance,. 

Gi"?> liability - pt capital, 

_ irdfl policy-hold 

Paid-up capital, .... 

Surplus over capital, 



$2,482 67 
42.- 
1,15 

15 
4,06 

$42. - B 
- I 42 
15,077 56 
4 33 



|413,691 16 

$286,402 11 
250,000 00 

$86,462 11 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
S ne not collected, ..... 

X t collected, 

Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

3D tire premiums received, 
Mariue premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

- re-insurance and return premiums, . 
Net cash marine premiums received, 
Interest received on mortgages. 
Interest and dividends received from all other 
Income from all other sources, 

Gross cash income, .... 



$68,2.-,! 28 
639 25 

$67,612 

678,208 32 

32 I 35 

.137 15 

$677,383 20 

187,211 20 

$4,070 14 
99,828 41 

$103,898 oo 
10,185 01 

$93,713 54 
11,673 79 



sources, 



$490,172 00 



82,039 75 

10,054 87 

15,037 72 

228 40 

$597,532 74 



320 FIRE, MAKINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 
Casfa paid for fire losses, . 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, . 

Cash paid for marine and inland losses, 
Deduct salvage and re-insuranee, 
Net casfa paid for marine and inland losses, 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 

Gross cash expenditures, .... 



$340,306 09 
35,290 73 



|95,690 73 

22,366 02 



$305,075 36 



73,324 71 

137,659 46 

50,027 61 

5,557 91 



$571,645 05 



Fire risks outstanding Dec. 3t, 1891, 
Fire risks written during 1892, 



Risks and Premiums. 

rremlums. 

.$58,109,661 00 $642,464 99 
. 52,305,795 00 678,208 32 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1891, 
Marine risks written during 1892, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$110,415,456 00 $1,320,673 31 
. 43,080,276 00 618,714 11 



17,335,180 00 §701,959 20 
6,331,010 00 85,198 61 



$61,004,170 00 $616,760 59 

$2,460,877 00 $45,020 76 
33,171,729 00 99,828 41 



$5,632,606 00 $144,849 17 
34,230,604 00 112,583 45 



$1,402,002 00 $32,265 72 
71,465 00 2,478 87 



. $1,330,537 00 $29,786 85 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire Losses incurred during the year, 

Marine and inland losses incurred during the year, 

Cash dividends declared from organization of company 

Company's stock owned by directors, 



$7,571,359 00 

5,152,049 00 

295,926 00 

75,647 00 

409,281 00 

57,500 00 



1892.] 



INS. COS. OF OTHER STATES. 



321 



••SPRING GARDEN INSURANCE COMPANY," PHILADELPHIA, PA. 

[Incorporated April 28, 1835. Commenced business Aug. 29, 1835.] 
Taid-up Capital, $400,000. 
W. G. WARDEN, Prcsidnit. G. B. ARMITAGE, Secretary. 



Detailed Statement of Stocks and Bonds 



City of St. Joseph bonds, .... 
Kansas city water works bonds, 
Pittsburg, Cincinnati & St Louis 11. II. bonds, 
Lehigh Valley Railroad bonds, 
People's Passenger Railway bonds, 
Lehigh Coal ^ Navigation Co. bonds, 
American Steamship Company bonds, 
Terre Haute ft Logansport Railroad bonds, 
Cleve., Columbus, Cin & Indiana R.R. bonds 
Jacksonville, Louis. & St. Louis R R. bom Is, 
Columbus & Cincinnati Midland R.R. bonds, 
Marietta & North Georgia Railroad bonds, 
Zanesville ft Ohio River Railroad bonds, 
Clearfield ft Jefferson Railroad bonds, 
Jacksonville, Tampa & Key West R.R. bonds 
Philadelphia &. Reading Railroad bonds, 
Penn. & New York Canal & Railroad bonds, 
Allegheny Valley Railroad bonds, . 
Robert H. Coleman bonds, 
Bloomington City (111.) Railway bonds, . 
Pennsylvania ft Northwestern R.R. bonds, 
Bells Gap Railroad bonds, 
Pennsylvania Steel Company bonds, 
Camden & Atlantic Railroad bonds, 
Sun., Hazleton & Wilkesbarre Railway bonds 
Philadelphia & Reading Railroad bonds, . 
Wilmington & Northern Railroad bonds, 
Camden (N. J.) Horse Railroad bonds, . 
Newark (N. J.) Passenger Railway bonds, 
Rochester (N. Y.) Railway bonds, . 
Phila., Reading & New England R.R. bonds, 
Mortgage Trust Company of Penn. bonds, 
100 shares Pennsylvania Railroad Company, 
100 " Commercial Nat'l Bank of Phila., 
200 " Penn National Bank of Phila., 



Par Value. 
$20,000 00 
10,000 00 
30,000 00 
20,000 00 
10,000 00 
20,000 00 

5,0 00 
20,000 00 
10,000 00 
21,000 00 
20,000 00 
20,000 00 
10,000 00 
10,000 00 
10,000 00 
34,000 00 
10,000 00 
15,000 00 

5,000 00 
27,000 00 
25,000 00 

8,000 00 
10,000 00 
10,000 00 
10,000 00 
15,000 00 
25,000 00 
15,000 00 
10,000 00 
10,000 00 
33,600 00 
25,000 00 

5,000 00 

5,000 00 
10,000 00 



Market Value. 

$22,700 00 
10,000 00 
34,800 00 
25,500 00 
12,000 00 
26,000 00 

5,175 00 
21,200 00 
12,300 00 
17,850 00 
19,200 00 

6,000 00 

6,000 00 
11,900 00 
10,000 00 
35,610 00 
11,100 00 
15,600 00 

5,000 00 
16,200 00 
26,875 00 

8,800 00 
10,250 00 
11,800 00 

9,850 00 
15,600 00 
26,500 00 
15,750 00 

9,250 00 

9,400 00 

27,336 00 

25,000 00 

5,437 50 

5,500 00 
17.600 00 



$543,600 00 $549,083 50 



322 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans : — 

Phila., Read'g & X. Eng. R.R. bonds and scrip, 

10 shares Heal Est. Title Ins. Tr. Co. of Phila., 

llo u Seaboard Company, Georgia, . 

50 " Liberty Iron Company, . 

Mortgage assigned, 

Lehigh Valley Railroad bonds, 
Mitchell Coal & Coke Company bonds, . 
100 shares United Gas Improvement Co., 
100 " Cambria Iron Company, 
200 " Pennsylvania Railroad, . 



Market Value. 

113,176 80 

1,400 00 
11,500 00 

2,500 00 
10,000 00 
15,300 00 
20,000 00 

6,500 00 ( 

7,600 00 ! 
10,875 00 



Loaned Thereon. 

$11,000 00 

650 00 

11,000 00 

5,000 00 

8,000 00 

13,500 00 

10,000 00 

9,000 00 
8,000 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, 
Rents due and accrued, .... 
Premiums more than 3 months due, $619 04 
Gross assets, 



31, 1892. 

$280,000 00 

309,650 00 

6,765 54 

549,083 50 

76,150 00 

3,432 06 

40,155 72 

1,168 33 

37,677 28 

5,700 00 

603 59 



$98,851 80 $76,150 00 



$1,310,386 02 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, . 
Less re-insurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Commissions and brokerage, . 

Re-insurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up eapital, .... 

Surplus over capital, . 



$3,673 59 

51,960 74 

3,275 05 

$58,909 38 
3,692 31 

$55,217 07 

246,922 00 

386,319 74 

672 98 

1,911 59 



691,043 38 

$619,342 64 
400,000 00 

$219,342 64 



* Total value of property mortgaged, 
Amount of insurance held us collateral, 



$663,550 00 
256,850 00 



1892.] 



INS. COS. OF OTHER STATES. 



323 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 
Less re-insurance and return premiums, . 
Net cash Are premiums received, 
Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Income from all other sources, 

Deposits received for perpetual fire risk?, 



Gross cash income, 



$129,259 75 
478,400 84 

$507,660 59 
37,677 28 

$469,983 31 
112,845 78 



sources, 



$12,904 55 



$357,137 53 

24,964 34 

31,368 45 

4,534 43 

1,220 50 

$419,225 25 



Expenditures. 

Cash paid for fire losses, $234,644 55 

Deduct salvage and re-insurance, . . . 9,238 26 

Net cash paid for fire losses, .... $225,40629 

Cash dividends paid 32,000 00 

Cash paid for commissions and brokerage, .... 75,306 63 
for salaries of officers and employees, . . . 17,028 44 

for State and local taxes, 16,221 07 

for incidentals, 20,158 82 

Deposits returned on perpetual fire risks, . $11,933 42 

Gross cash expenditures, $386,121 25 



Risks and Premiums. 



. $40,752,264 00 
. 44,117,086 00 



, $84,869,350 00 
. 39,801,901 00 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, $41,670,544 00 

Perpetual risks in force (not included above), $17,806,667 00 



. $45,067,449 00 
. 3,396,905 00 



Premiums. 

$443,309 42 
478,400 84 

$921,710 26 
415,651 93 

$506,058 33 
34,249 93 

$471,808 40 
$423,688 60 



Miscellaneous. 
Losses paid from organization of company, . 
Fire losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, . 



$3,060,769 00 

227,275 00 

1,505,215 00 

32,000 00 

142,100 00 



324 FIRE, MARINE, AND FIRE-MARIXE [Dec. 31, 



"ST. PAUL FIRE AND MARINE INSURANCE COMPANY," 

ST. PAUL, MINN. 

[Iucorporated May, 1865. Commenced business May, 1865.] 

Paid up Capital, $500,000. 

C II. BIGELOW, President. C. B. GILBERT, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

320 shares First National Bank, St. Paul, . $32,000 00 $80,000 00 

475 " Merchants 1 National Bank, St. Paul, ^17,5(0 00 99,750 00 

130 " Bank of Minnesota, St. Paul, . . 13,000 00 19,500 00 

270 " St. Paul National Bank, St. Paul, . 27,000 00 32,400 00 

45 " First National Bank, Alexandria, . 4,500 00 5,850 00 

100 " Flour City Nat'l Bank, Minneapolis, 10,000 00 11,300 00 

50 " St. Paul Trust Co., St. Paul, . . . 5,000 00 8,000 00 

30 " First National Bank, St. Peter, . 3,000 00 4,200 00 

50 " First National Bank, Stillwater, . 5,000 00 7,250 00 

45 " Northwestern Nat. B^Minneapolis, 4,500 00 7,110 00 

100 " First Nat. Bank, Minneapolis, . 10,000 00 15,400 00 

60 " American Ex. Bank, Duluth, . . 6,000 00 10,500 00 

50 " B'k of New England, Minneapolis, 5,000 00 5,000 00 

100 " First National Bank, Duluth, . . 10,000 00 12,900 00 

50 " Seven Corners Bank, St. Paul, . 5,000 00 5,000 00 

Chicago, St. Paul, M. & O. R.R. bonds, . . 10,000 00 12,000 00 

385 shares St. Paul Warehouse & Elevator Co., 19,250 00 4,812 50 

100 shares North American Telegraph Co., . 10,000 00 10,000 00 

City of St. Paul bonds, 60,000 00 63,000 00 

City of St. Paul, Minn., certificates, . . . 26,326 00 26,326 00 

State of Georgia bonds, 25,000 00 26,000 00 

City of Jordan bonds, 35,000 00 35,000 00 

City of Mankato bonds, 8,500 00 8,500 00 

Town of Sauk Centre bonds, .... 1,000 00 1,000 00 

Town of Vernon Centre bonds, . . . 6,000 00 6,000 00 

Village of Detroit bonds, 700 00 700 00 

Town of Jo Davies bonds, .... 5,500 00 5,775 00 

Town of Elmore bonds, 6,500 00 6,825 00 

Town of Garden City bonds, ..... 4,00000 4,00000 

Town of Winnebago bonds, .... 10,000 00 10,500 00 

Village of Winnebago bonds, . . . . 5,000 00 5,250 00 

Town of Pilot (irove bonds, . . . ' . 5,000 00 5,250 00 

Town of Mnzeppa bonds, 5,000 00 5,250 00 

Town of Oakwood bonds, .... 6,50000 6,82500 

Town of Bine Earth City bonds, . . . 36,000 00 ' 37,800 00 

County of Pine bonds, 4,500 00 4,950 00 

County of Rock bonds, 24,000 00 27,600 00 

County of Dawson bonds, .... 1,50000 1,50000 

County of Kidder, N. I)., bonds, . . . 9,000 00 9,000 00 

County of Grant, Minn., school dist. bonds, . 4,000 00 4,000 00 



1892.] 



INS. COS. OF OTHER STATES. 



325 



County of Barnes & Cass, N.D.,sc*h. (list, bonds, 
County of Carver, Minn , school dist. bonds, . 
School District 11, Big Stone County, bonds, . 
County of Jerauld, S. D., school dist. bonds, . 
County of Sanborn, S. I)., school dist. bonds, . 
City and county warrants, .... 



Par Value. 

$11,100 00 
6,000 00 
3,000 00 
2,400 00 
5,500 00 
5,897 03 



Market Value. 

$11,100 00 

6,000 00 

3,000 00 

2,400 00 

5,500 00 

5,897 03 



$549,673 03 $685,920 53 
held as collateral for cash loans : — 

Market Value. Loaned Thereon. 

Merchants' Nat'] Bank, St. Paul, . $31,500 00 $23,400 00 

Second National Bank, St. Paul, . 21,000 00 16,800 00 

St. Paul National Bank, St. Paul, 8,400 00 6,660 00 

Bank of Minnesota, St. Paul, . 9,750 00 4,500 00 

Savings Bank, St. Paul, . . 87,135 00 59,700 00 

Pion.-cr Press Company, . . 4<>,()00 00 10,'»00 00 

Minn. Land and Investment Co.,. 22,000 00 15,500 00 

Minneapolis Union Elevator Co., . 13,860 00 8,500 00 

Farwell, Oznmn, Kirk & Co., St. Paul, 21,500 00 15,700 00 

J., superior Elevator Co., Dulnth, 21,200 00 16,500 00 

Taooma Coal Company, . . 15,000 00 5,000 00 

North American Telegraph Co.,. 15,000 00 10,n00 00 

BTc of New England, Minneapolis, 2,500 00 2,000 00 

Strong-Hacket Hardware Co., . 7,000 00 5,000 00 

Seven Corners Bank, St. Paul, . 10,450 00 8,160 00 

Germania Bank, St. Paul, . . 4,200 00 3,360 00 

Rutland Co. Nat. B% Kutland,Vt., 9,375 00 7,500 00 

Nat. Ger. American B'k, St. Paul, 3,300 00 2,500 00 

Union Imp. and Elev. Co., Duluth, 5,000 00 4,000 00 

Sean. American Bank, St Paul, . 3,250 00 2,600 00 

St. Paul Title Ins. and Trust Co., 3,850 00 3,080 00 

Pioneer Press Build. Co., St. Paul, 6,200 00 2,800 00 

Bank of Sargent County, N. D., . 3,800 00 2,000 00 

Bank of Forman, N. D., . . . 3,800 00 2,000 00 

Minn , Electric and Water Co., . 46,500 00 35,900 00 

$415,570 00 $273,160 00 



Summary of Assets Dec. 31, 1892.* 

Cash value of unencumbered real estate, . $129,679 24 

Loans on mortgage of real estate (first liensf), 823,888 43 
Interest due or accrued thereon, . . . 21,785 52 



Securities 


150 j 


ihares 


75 


ii 


70 


it 


65 


ii 


471 


M 


400 


II 


44 


II 


77 


II 


215 


II 


421 


II 


1,000 


II 


150 


II 


25 


II 


70 


II 


1041 


II 


35 


II 


75 


II 


30 


II 


100 


II 


25 


II 


35 


It 


62 


II 


38 


II 


38 


11 


Little Falls, 



* The company holds, also, instalment premium notes to the amount of S72, 884.41, which 
do not enter into nor form any part of the assets of the company, as no portion of them is earned. 
Whatever value is attached to them would necessarily be counterbalanced by the addition of an 
exactly equal amount to the re-insurance liability, the entire sum consisting of "unearned pre- 
miums." 

| Value of lands mortgaged, ."..... $1,110,85700 

Value of buildings thereon 876,593 00 

Amount of insurance held as collateral, . . . 669,225 00 



32(5 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Stocks and bonds, as per schedule, . 

Loans OH collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, .... 
Cross assets, ..... 
Deduct special deposits in other States, . 



$685,920 53 

273,160 00 

14,184 48 

121,428 56 

14,980 34 

119,186 57 

40,917 57 

255 00 



$2,245,386 24 
26,000 00 



Balance, $ 2,2 19,386 24 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 
Less re-insurance, 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, . 



Surplus as regards policy-holders, . 
Paid-up capital, 



$32,416 42 

145,172 48 

11,463 15 



$ 189,052 05 
26,391 97 



$162,660 08 
891,569 47 

17,877 98 



,072,107 53 
12,139 87 



1,059,967 66 



. $1,159,418 58 
500,000 00 



Surplus over cajoital, . 



$659,418 58 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Same not collected, 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash lire premiums received, 



$126,267 67 
18,938 44 



$107,329 23 
1,541,544 36 



$1,648,873 59 
119,186 57 



1,529,687 02 
322,351 46 



$1,207,335 56 



1892.] 



INS. COS. OF OTHER STATES. 



327 



Marine premiums outstanding Dec. 31, 1891, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 



Total 

Premiums now in course of collection, 

Entire premiums collected, 

re-insurance and return premiums, 
Net cash marine premiums received, 
[nterest received on mortgages, 
Interest and dividends received from all 
Income from rents, .... 



Gross cash income, 



other 



Expenditures 
Cash paid for tire losses, . 
Deduct salvage and re-insurance, . 
Net cash paid for tire losses, . 
Cash paid for marine and inland losses, 
Deduct salvage and re-insurance, 
Net cash paid for marine and inland losses, 
Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, . 

Gross cash expenditures, . 

Risks ani> Premiums. 



$40,731 13 
6,109 67 

$34,621 46 
365,609 35 



$400,230 81 
40,917 57 



$359,313 24 
45,454 94 



sources, 



$313,858 30 

51,660 24 

57,819 46 

5,111 56 



$1,635,785 12 



$824,428 56 
84,115 49 

$202,117 41 
31,419 97 



$740,313 07 



170,697 44 
60,000 00 

307,125 43 
56,670 33 
25,420 27 
72,774 67 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1891, 
Marine risks written during 1892, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$113,086,645 00 
. 93,400,212 00 



$1,433,001 21 



Premiums. 

$1,502,910 72 
1,541,544 36 



$206,486,857 00 
. 52,092,285 00 



$3,044,455 08 
1,320,056 38 



$154,394,572 00 
. 12,076,528 00 



$1,724,398 70 
162,012 51 



$142,318,044 00 $1,562",386 19 



. $3,049,402 00 
. 41,704,700 00 



$113,972 42 
365,609 35 



. $44,754,102 00 
. 40,478,308 00 



$479,581 77 
324,103 85 



. $4,275,794 00 $155,477 92 



823 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during- the year, . 

Marine and inland losses incurred during tbe year, 

(ash dividends declared from organization of company, 

Dividends declared during the year (12 per cent.), 

Company's stock owned by directors, . 



$15,714,653 00 

9,700,509 00 

768,745 00 

192,010 00 

1,086,696 00 

60,000 00 

169,300 00 



" TEUTONIA INSURANCE COMPANY OF NEW ORLEANS," NEW 

ORLEANS, LA. 

[Incorporated April 12, 1871. Commenced business June 1, 1871.] 

Paid-up Capital, $250,000. 

WM. B. SCHMIDT, President. . ALBERT P. NOLL, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds $30,000 00 

Canal & Claiborne Street Railroad bonds, . 10,2C0 00 

Louisiana State bonds, 120,000 00 

New Orleans city bonds, 123,000 00 

5 shares Mechanics' & Traders' Ins. Co., . 500 00 

10 shares Central Map, Sur. & Pub. Co of Chic, 250 00 



Market Value. 

f 34,050 00 

11,016 00 

118,800 00 

128,437 50 

532 50 

250 00 



Securities held as collateral for cash loans : — 

150 shares Mutual Loan & Building- Co., N. O., 

20 shares Metropolitan Bank of New Orleans, 

Mortgage assigned, 



$283,950 00 $293,086 00 



Market Value. 

$4,200 00 
3,600 00 
2,750 00 



Loaned Thereon. 

$3,300 00 
3,000 00 
1,000 00 



$10,550 00 §7,300 00 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Bills receivable, 

Office furniture, .... $1,000 
Gross assets, 



31, 1892. 

$40,562 50 

18,366 66 

293,086 00 

7,300 00 

74 93 

48,710 94 

66,822 61 

30 00 

450 00 



$475,403 64 



* Total value of property mortgaeod, 
Amount of insurance held an collateral, 



$48,700 00 
30,100 00 



1892.] 



INS. COS. OF OTHER STATES. 



329 



Liabilities. 

Losses adjusted, unpaid, .... 
Loss< is claimed and reported, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 

Return premiums, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 

Paid-up capital, 



Surplus oyer capital, 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Same not collected, 

Net collected 

Premiums on risks written or renewed, . 



Total 

Premiums now in course of collection, . 

Entire premiums collected, 
Less re-insurance and return premiums, . 
Net cash fire premiums received, . 
Marine premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total * 

Premiums now in course of collection, . 



Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest and dividends received from all sources, 



021,219 10 

9,250 00 

125,688 42 

545 00 

5,344 14 

3,989 96 



$46,822 71 
3,010 06 

$43,812 65 
365,967 80 

$409,780 45 
62,712 35 

$347,068 10 
98,557 07 

$4,853 06 
43,925 14 

$48,778 20 
4,140 26 



$44,637 94 
6,401 70 



$166,036 62 

$309,367 02 
250,000 00 

$59,367 02 



$248,511 03 



38,236 24 
16,471 17 



Gross cash income, $303,218 44 



Expenditures. 

Cash paid for fire losses, ..... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses 

Cash paid for marine and inland losses, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, ... . . 



$226,799 89 
23,961 65 



$202,838 24 

3,503 56 

46,912 63 

23,544 70 

9,451 04 

20,025 00 



Gross cash expenditures, 



$306,275 17 



330 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 



Total 

Deduct risks expired and terminated, 

In force at end of year, . . . 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks written during 1892, . 
Deduct risks expired and terminated, 



.$10,453,691 00 
. 24,188,180 00 



.834,641,871 00 
. 11,910,566 00 

.$22,731,305 00 
. 1,942,919 00 



rrcmlums. 

#193,450 67 
365,967 80 

$559,418 47 
299,092 67 

$260,325 80 
19,810 38 



. $ 20,788,386 00 $240,515 42 



. $7,994,288 00 
. 7,994,288 00 



$43,925 18 
43,925 18 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . . . . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Company's stock owned by directors, . 



$4,253,973 00 

1,978,187 00 

213,339 00 

3,504 00 

451,392 00 

68,300 00 



"TEUTONIA FIRE INSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated Aug. 7, 1871. Commenced business Sept. 1, 1871.] 

Paid-up Capital, $200,000. 

EUGENE FRANSSEN, President. THOS. CHAMBERLIN, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Pittsburg, Cincinnati & St. Louis R.R. bonds, . $12,000 00 $13,980 00 

City of Trenton school loan, .... 1,00000 1,05000 

Catawissa Railroad bonds 10,000 00 12,000 00 

Schuylkill River Railroad bonds, . . . 10,000 00 10,850 00 

Chicago & Western Indiana Railroad bonds, . 5,0C0 00 5,600 00 

North Pennsylvania Railroad bonds, . . 10,000 00 11,000 00 

Savannah & Western Railroad bonds, . . 15,000 00 10,125 00 

Georgia, Carolina & Northern Railroad bonds, 15,000 00 15,243 75 

Lehigh Valley Railroad bonds, . . . 10,000 00 10,400 00 

Allegheny Valley Railroad bonds, . . . 9,000 00 9,990 00 

Baltimore Hell Railroad bonds, . . . 20,000 00 21,000 00 



$117,000 00 $121,238 75 



189-2.] INS. COS. OF OTHER STATES. 



331 



iiritiea held as collateral for cash loans 
Union Passenger Railway bonds, 

Summary of Assets Dec 

Oash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens*) 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the office of the company, . 

Cash deposited in bank, .... 

Interest duo and accrued, . 

Premiums in course of collection (gross), 

Rents due and aeerued, .... 

Perpetual insurance deposit, 

Gross assets, 

Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Due and accrued for rent, salaries, etc , . 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Deposits received for perpetual fire risks, 

Gross cash income, .... 



Market Value. Loaned Thereon. 

$2,700 00 $2,500 00 

81, 1892. 

$75,000 00 

41,900 00 

550 81 

121,238 75 

2,500 00 

477 87 

14,405 09 

88 32 

4,541 40 

98 55 

900 00 

$261,700 79 



$1,607 00 

20,210 64 

21,701 36 

89 50 

568 39 



$3,767 77 
36,655 88 

$40,423 65 
4,541 40 

$35,882 25 
9,431 28 



sources, . 

$1,023 75 



44,176 89 

$217,523 90 
200,000 00 



$17,523 90 



$26,450 97 
2,149 09 
6,661 07 
1,707 48 



$36,968 61 



* Total value of property mortgaged, . 
Amount of insurance held as collateral, 



$96,300 00 
40,600 00 



332 FIRE, MARINE, AND FIRE-MARINE [Dec. 31 



Expenditure! 

Cash paid for fire losses, . 
Deduct salvage and re-insurance, 
Net cash paid for lire losses, . 
Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, .... 



§10,434: 55 
2,162 49 



§766 00 



$14,272 06 
8,0 10 00 
5,852 65 
4^65 00 
2,239 78 
2,540 30 



§37,259 79 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 



$1,064,288 00 
4,002,497 00 



^8,066,785 00 
3,486,495 00 



$4,580,290 00 
517,660 00 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, . . . . 
Cash dividends declared from organization of company, 
Dividends declared during the year (4 per cent.), . 
Company's stock owned by directors, .... 



Premiums. 

§36,993 70 
36,655 88 

$73,649 58 
30,410 27 

$43,239 31 
5,317 28 



Net amount in force, $4,062,630 00 $37,922 03 

Perpetual risks in force (not included above), $1,053,760 00 §24,112 62 



§466,797 00 

167,406 00 

15,867 00 

207,254 00 

8,000 00 

78,700 00 



"UNION INSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated Feb. 6, 1804. Commenced business July 25, 1803.] 

Paid-up Capital, $250,000. 

CIIAS. S. nOLLINSIIEAD, President. EDGAR R. DANNELS, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Chesapeake & Delaware Canal Co. bonds, . §15,000 00 $9,825 00 

American Steamship Company bonds, . . 6,000 00 6,210 00 

Susquehanna Coal Company bonds, . . 10,000 00 11,800 00 



1892.] 



INS. COS. OF OTHER STATES. 



333 



Baltimore A: Ohio Railroad bonds, . 

Steubenville & Indiana Railroad bonds, . 

Philadelphia & Reading Railroad bonds, 

New York Car Trust bonds, 

Shamokin, Sunbury & Lewisburg R.R. bonds 

Bethlehem Iron Company bonds, 

Philadelphia & Heading Railroad bonds, 

Perkiomen bonds, 

100 shares Little Schuylkill Railroad, 

200 " Pennsylvania Railroad, . 

186 " North Pennsylvania Railroad, 
48 " Delaware Railroad, 
68 " Philadelphia National Bank, . 

" Farmers 1 and Mechanics 1 Nat'l B'k, 

Huntingdon & Broad Top Car Trust, 



Par Value. 

$25,000 00 

15,000 00 

25,000 00 

27,000 00 

4,000 00 

2,000 00 

9,000 00 

13,000 00 

5,000 CO 

10,000 00 

6,800 00 

1,200 00 

6,8i)0 00 

8,800 00 

5,000 00 



Marktt Value. 

$29,750 00 

16,050 00 

30,187 50 

27,000 00 

4,040 00 

2,000 00 

6,455 00 

13,585 00 

7,300 00 

10,875 00 

11,560 00 

1,488 00 

14,076 00 

10,208 00 

5,000 00 



$194,600 00 $217,409 50 



Securities held as collateral for cash loans : — 



500 shares Texas & Pacific Railroad, 

500 " Catawissa Railroad, 

100 " United Gas Improvement Co., 

25 " Corn Exchange National Bank, 
United N. J. Railroad & Canal Company, 
36 shares Commonw'lth Tit. Ins. & Trust Co 
10 " Pennsylvania Fire Insurance Co., 

5 " American Fire Insurance Co., . 
Philadelphia & Reading R.R. bonds, 
Lee County, Iowa, bonds, 
50 shares 13th & loth Sts. Passenger R'y, 
23 shares Union National Bank, 



Market Value. Loaned Thereon. 



$4,625 00 \ 
3,250 00 i 
6,500 00 ) 
1,812 50 
5,150 00 ^ 
2,916 00 J 
3,500 00 } 
710 00 
600 00, 
1,700 GO 

10,500 00 
1,840 00 



$10,000 00 



1,500 00 



10,000 00 



1,000 00 
6,500 00 
1,200 00 



$43,103 50 $30,200 00 



Summary of Assets Dec. 31, 1892. 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens), 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due aud accrued, 
Premiums in course of collection (gross), 
Rents, re-insurance, etc., .... 
Perpetual insurance deposit, 
Gross assets, 



$160,000 00 

9,900 00 

217,409 50 

30,200 00 

1,952 24 

30,455 83 

1,077 50 

77,878 03 

897 78 

742 50 



$530,513 38 



334 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 

Losses adjusted, unpaid, $26,034 95 

claimed and reported, .... 26,772 37 

disputed or resisted, .... 1,787 41 

Total amount of losses, $54,594 73 

Less re-insurance, 3,405 96 

Net amount of unpaid losses, .... $51,188 77 

Unearned premiums on outstanding risks, . 166,466 09 

Keclaimable on perpetual fire policies, . . 34,039 71 

Dividends to stockholders unpaid, . . . 1,694 52 

Commissions and brokerage, .... 15,847 89 

Re-insurance, etc., 702 68 

Gross liabilities, except capital, . . 

Surplus as regards policy-holders, 

Paid-up capital, 



$269,939 66 

. $260,573 72 
250,000 00 

Surplus oyer capital, $10,573 72 

Income. 
Fire premiums outstanding Dec. 31, 1892, . $77,170 32 
Premiums on risks written or renewed, . . 401,550 90 

Total, $478,721 22 

Premiums now in course of collection, . . 77,878 03 

Entire premiums collected, .... $400,843 19 
Less re-insurance and return premiums, . . 85,939 30 

Net cash lire premiums received, . . . $314,903 89 

Interest received on mortgages, 645 00 

Interest and dividends received from all other sources, . . 13,357 46 

Income Irom rents, 7,028 36 

Deposits received for perpetual fire risks, . . $785 70 

Gross cash income, $335,934 71 

Expenditures. 
Cash paid for fire losses, $259,310 00 

Deduct salvage and re-insurance, . . . 37,109 21 

Net cash paid for fire losses, .... 

( lash paid for marine and inland losses, . . $319 46 

Deduct salvage and re-insurance, . . . 96 21 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash jiaid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Deposits returned on perpetual fire risks, . $1,687 77 

Gross cash expenditures, $335,046 79 



$222,200 79 



223 25 

35 51 

51,710 69 

24,993 98 

9,399 76 

26,482 81 



1892.] 



INS. COS. OF OTHER STATES. 



335 



Risks and Premiums. 



Fire risks outstanding Dee. 31, 1891, 
Fire risks written during 1892, 



Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 



.$37,611,603 00 

. 38,950,839 00 

. $76,562,442 00 

. 37,065,263 00 

. $39,497,179 00 

. 6,678,277 00 



rrcmiums. 

}4 13,544 64 
401,550 90 



$815,095 54 
389,389 28 

$425,7u6 26 
79,779 33 



Net amount in force, $32,818,902 00 $345,926 93 

Perpetual risks in force (not included above), . $1,281,128 00 $37,821 90 



Miscellaneous. 

Premiums received from organization of company, 

es paid trom organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Company's stock owned by directors, . 



$22,553,042 00 

. 16,342,280 00 

223,361 00 

. 1,876,221 00 

34,630 00 



" UNITED FIREMEN'S INSURANCE COMPANY OF PHILADELPHIA, 1 ' 

PHILADELPHIA, PA. 

[Incorporated April 2, 1860. Commenced business April 1, 1861.] 
Paid-up Capital, $300,000. 



ROBERT B. BEATH, President. 



DENNIS J. SWEENEY, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Philadelphia city bonds $40,000 00 $40,800 00 

Northern Central Railroad bonds, . . . 10,000 00 11,800 00 

Chicago & Western Indiana Railroad bonds, . 10,000 00 11,650 00 

Zanesville & Ohio Railroad bonds, . . . 10,000 00 4,000 00 

Pennsylvania Equipment Trust Co. bonds, . 10,000 00 9,800 00 

Jacksonville, Tampa & Key West R.R. bonds, 10,000 00 10,000 00 

Toledo Belt Line Railway bonds, . . . 10,000 00 10,000 00 

Chattanooga Union Railroad bouds, . . 15,000 00 13,500 00 

Oregon Pacific Railroad bonds, . . . 10,000 00 2,000 00 

McKeesport & Belle Vernon Railroad bonds, . 10,000 00 12,000 00 

Atlantic City Railroad bonds, .... 20,000 00 20,800 00 

Lehigh Valley Railway bonds, .... 20,000 00 20,700 00 

Philadelphia & Reading Railroad bonds, . 10,000 00 10,600 00 

The Mortgage Trust Co. of Penn. bonds, . 10,000 00 10,<»00 00 

The Real Estate Insurance & Trust Co. bonds, 20,000 00 20,000 00 



336 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



City of Woonsocket, Dakota, bonds, 
15U shares Union Passenger Railway, 
200 shares Continental Passenger Railway, 
Pennsj Ivania & New York Canal & R.R. bonds, 

Car Trusts of New York, 



Par Value. 

$6,000 00 
7,500 00 
20,000 00 
20,000 00 
22,000 00 



Market Value. 

$6,300 00 
29,250 00 
24,000 00 
20,000 00 
20,750 00 



$290,500 00 $307,950 00 



Securities held as collateral for cash loans : — 



Market Value. Loaned Thereon. 



60 shares 18th & 15th Streets Pass. Railway, $10,500 00 

20 " Bucks County Trust Company, . 2,000 00"} 

12 " New Hope Delaware Bridge Co., . 1,500 00/ 

10 " Title Guarantee & Trust Co., N. Y., 1,670 00-) 

40 " Coiuwealth Title Ins. & Trust Co., 3,300 00 > 

50 " People's Passenger Railway Co., . 3,000 00 S 

200 " People's Passenger Railway Co., . 12,000 00 

St. Paul & Northern Pacific Railroad, . . 11,700 00^ 

600 shares Philadelphia & Reading Railroad, . 15,825 00 ' 

100 shares Lehigh Valley Railroad, . . . 5,850 00 f 

Philadelphia & Reading Railroad, . . . 3,440 00 j 

18 shares Pennsylvania Railroad, . . . 708 00 

25 " Real Estate Title Ins. & Trust Co , 3,500 00 

100 " Metropolitan Traction Company, . 13,700 00' 

100 " Philadelphia Traction Company, . 11,950 00 

100 " Pennsylvania Railroad, . . . 5,450 00 } 

100 " Philadelphia & Reading Railroad, . 2,637 00 j 

Chicago Gas Light & Coke Company, . . 2,670 00 j 



$6,000 00 
3,000 00 

4,000 03 
8,000 00 

30,000 00 

500 00 
2,800 00 

25,000 00 



$111,400 00 $79,300 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the ollice of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, <'tc, 
Perpetual insurance deposit, 

Gross assets, 



31, 1892. 

$119,850 00 

617,931 50 

11,896 62 

307,950 00 

79,300 00 

2,619 96 

32,802 01 

1,751 30 

46,420 97 

277 13 

3,501 75 



$1,254,301 24 



* Total value of property mortgaged, 
Amount of Insurance held ue collateral, 



$1,296,700 00 

452,230 00 



1892.] 



INS. COS. OF OTHER STATES. 



337 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums Oil outstanding risks, 
Reclaimable on perpetual fire policies, . 
Due and accrued for rent, salaries, etc., . 
State and local taxes, .... 

Commissions and brokerage, . 
Return premiums and re-insurance,. 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, . 



1,741 73 

21,830 09 

7,894 82 

203,689 6.6 

600,115 63 

599 49 

4,291 16 

12,109 50 

7,392 31 



$871,664 39 

$382,636 85 
300,000 00 

$82,636 85 



Income. 

Fire premiums outstanding Dee. 81, 1891, 
Same not collected, ....'. 

Net collected, 

Premiums on risks written or renewed, . 



$36,584 42 
120 15 

$36,464 27 
316,852 02 



Total $383,316 29 

Premiums now in course of collection, . . 46,420 97 



Entire premiums collected, .... $336,895 32 
Less re-insurance and return premiums, . . 50,987 88 

Net cash fire premiums received, . . . $285,907 44 

Interest and dividends received from all sources, . . . 51,557 88 

Income from rents and transfers, 1,498 90 

Deposits received for perpetual fire risks, . $43,819 16 

Gross cash income, $338,964 22 



Expenditures. 

Cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

for expenses on real estate, 
Deposits returned on perpetual fire risks, 



$191,616 29 
18,000 00 
65,504 00 
19,079 92 

8,411 32 
21,653 99 

1,654 32 



$17,936 75 






Gross cash expenditures, 



. $325,919 84 



ooo 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 



. 534,040,218 00 
. 33,31.5,717 00 



.$67,355,935 00 
. 29,884,891 00 



#7,471,044 00 

1,528,550 00 



. f 35,942,494 00 



Fire ri-k< outstanding Dec. 31, 1891, 
Fire ri>ks written during 1892, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 
Perpetual risks in force (not included above), 28,873,677 00 

Miscellaneous. 

Premium? received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, .... 



Premiums. 

£350,697 99 
346,852 02 

?7<>3,550 01 
290,683 64 



1412366 37 

16,139 09 



$396,727 28 

662,916 81 



52,731,758 00 

1,743,601 00 

201,428 00 

314,506 00 

18,000 00 

73,470 00 



•• UNITED STATES FIRE INSURANXE COMPANY," 
NEW YORK, N. Y. 

[Incorporated April 1, 1S24. Commenced business April 9, 1S24.] 

Paid-up Capital, $250,000. 

*W. W. UNDERHILL, President. W. H. GRIFFEN, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

£45,000 00 $51,075 00 



United States bond-, 

Rensselaer & Saratoga Railroad stock, . 



Summary of As-ets Dec 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks or bonds, as per schedule, 
Cash in the office of the company, . 

Cash deposited in bank 

Interest due and accrued, .... 
Premiums in course of collection (gross), 

Jle-insurance, 

Gross assets,f 



17,800 00 31,150 00 



$62,800 00 ?S2,225 00 

31, 1892. 

$525,500 00 

3,938 75 

82,225 00 

13,222 79 

36 98 

762 00 

59,638 70 

482 90 

$685,807 12 



♦Value of lands mortgaged, $348,000 00 

Value of buildings thereon, 630,000 00 

Amount of insurance held as collateral, . . . 553,950 00 

t Including $1*^5,000 special reserve faud held under New York law. 



1892.] 



INS. COS. OF OTHER STATES. 



339 



Liabilities. 

1868 adjusted, unpaid, . 
claimed and reported, . 
disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Return premiums, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 

Paid-up capital, 

Surplus over capital, . 

Income 
Fire premiums outstanding Dec. 31, 1891 
Premiums on risks written or renewed, 

Total 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1891, 

Premiums on risks written or renewed, 



Total 

Premiums now in course of collection, 

Entire premiums collected, 

re-insurance and return premiums, 
]Set cash marine premiums received, 
Interest received on mortgages, 
Interest and dividends received from all 
Income from all other sources, 

Gross cash income, 



other 



RES 



EXPENDITUI 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

X et cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, . 

Gross cash expenditures, . 



$14,500 00 

2<),2<)0 00 

1,440 00 

224,633 14 
4,817 06 
9,825 81 
9,478 94 



|61,240 26 

392,730 65 

|453,970 91 
68,568 70 

$395,412 21 
93,952 81 

$3,336 89 
10,256 77 

$13,593 66 
1,080 00 

112,618 66 

1,487 62 



sources, . 



$174,414 82 
15,791 89 

$5,259 26 
2,607 85 



1,894 95 



$400,912 17 
250,000 00 



$150,912 17 



$301,459 40 



11,026 04 

24,537 11 

1,681 08 

12 50 

$338,716 13 



$158,622 93 



2,651 41 

25,012 75 

71,726 94 

20,703 51 

9,155 24 

34,423 75 

$322,296 53 



340 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 



Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1891, 
Marine risks written during 1892, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



. $47,002,608 00 
. 43,983,040 00 



Premiums. 

$333,648 84 
392,730 65 



$90,986,248 00 
41,252,500 00 



£49,733,748 00 
3,065,873 00 



$726,379 49 
285,678 44 

$440,701 05 
28,648 58 



. $46,667,875 00 £412,052 47 



$808,305 00 
240,182 00 

$1,048,487 00 
774,921 00 



$21,830 69 
10,256 77 

$32,087 46 
23,022 21 



$273,566 00 $9,065 25 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . . . . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
ComjDany's stock owned by directors, . 



$4,761,796 00 

2,495,127 00 

164,794 00 

5,470 00 

1,776,590 00 

25,000 00 

51,800 00 



UNITED STATES LLOYDS, NEW YORK, N. Y. 

[Commenced business December, 1872.] 

IIiggins, Cox & Barrett, Attorneys. 
Detailed Statement of Stocks and Bonds. 



United States bonds, 

City of New York bonds, . 

City of Boston bonds, 

City of St. Louis bonds, . 

City of Cincinnati bonds, . 

West Shore Railroad bonds, 

Atlantic Mutual Insurance Company scrip, 



Tar Value. 

$50,000 00 
100,000 00 
50,000 00 
50,000 00 
50,000 00 
50,000 00 
21,266 08 



Market Value. 

$57,000 00 
104,000 00 
57,500 00 
50,000 00 
50,500 00 
50,000 00 
21,266 08 



$371,266 08 $390,266 08 



1892.] 



INS. COS. OF OTHER STATES. 



341 



Securities held us collateral for cash loans : — 



Illinois Central Railroad bonds, 

Western Union Telegraph bonds, 

New York & New England Railroad stock, 

Atchison, Topeka & Santa Fe Railroad stock, 

Home Insurance Company stock, 

Long Island Loan ft Trust Company stock, 

Lewis ft Fowler Manufacturing Co. stock, 

Greenwich Water Company stock, . 

Mexican Northern Railroad bonds, . 



Summary of Assets Dec 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Re-insurance, 

Gross assets, . . . . 

Liabilities. 

Losses adjusted and reported, . 
Unearned premiums on outstanding risks, 

Trust funds 

Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 

Rebates, 

Gross liabilities, .... 



Surplus, 



Market Value. Loaned Thereon. 

8 14,550 00 ^ 
2,100 00 



13,500 00 

6,600 00 

5,010 00 

2, K)0 00 

4,750 00 

7,500 00 

15,000 00 



$30,000 00 



8,950 00 



7,300 00 



$7 1,140 00 $46,250 00 



31, 1892. 

$390,266 08 

46,250 00 

2,000 00 

193,706 93 

7,009 19 

151,803 24 

30,047 88 

47,639 35 



$109,400 00. 
120,873 34 
1,345 38 
2,039 00 
8,640 00 
7,389 50 



$868,721 67 



249,687 22 



19,034 45 



Income. 

Marine premiums outstanding Dec. 31, 1891, . $121,237 55 

Premiums on risks written or renewed, . . 1,553,025 24 

Total $1,674,262 79 

Premiums now in course of collection, . . 120,873 34 



Entire premiums collected, .... $1,553,389 45 
Less re-insurance and return premiums, . . 960,320 16 

Net cash marine premiums received, . . $593,069 29 

Interest and dividends received from all sources, . . . 21,570 63 

Income from commissions, discounts, etc., .... 61,388 32 



Gross cash income, 



$676,028 24 



342 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for marine and inland losses, . . $868,694 51 

Deduct salvage and re-insurance, . . . 424,243 24 

Net cash paid for marine and inland losses, 

( lash dividends paid, .... 

( !ash paid for commissions and brokerage, 

Cash paid for salaries and taxes, 

Profit and loss account, .... 

Gross cash expenditures, . 

Risks and Premiums. 



Marine risks outstanding Dec. 31, 1891, 
Marine risks written during 1892, . 

Total, 

Deduct risks expired and terminated, 

In force at end of 3 7 ear, 
Deduct amount re-insured, 

Ket amount in force, . 



$8,988,620 00 
270,893,977 00 

$279,882,597 00 
272,911,659 00 

$6,970,938 00 
. 1,655,754 00 



$444,451 27 

50,000 00 
62,062 18 
55,787 13 
10,989 21 

$623,289 79 



Premiums. 

$121,237 56 
1,653,025 24 

1,674,262 79 
1,553,389 45 

1120,878 34 

54,877 99 



$5,315,184 00 $65,995 35 



Miscellaneous. 
Marine and inland losses incurred during the year (estimated), $398,301 00 
Dividends declared during the year, 50,000 00 



" WESTCHESTER FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated as mutual March 14, 1837. Commenced business as joiut-stock Jan. 1, 1870.] 

Paid-up Capital, $300,000. 
GEO. R. CRAWFORD, President. JOHN Q. UNDERHILL, Secretary. 

Detailed Statement op Stocks and Bonds. 

Tar Value. Market Value. 

New York & Harlem Railroad stock, . . $60,000 00 $156,000 00 

Albany & Susquehanna Railroad stock, . . 40,000 00 66,000 00 

Rensselaer & Saratoga Railroad stock, . . 50,000 00 87,000 00 

New York, Lack. & Western Railroad stock, . 80,000 00 91,000 00 

Long Island Railroad stock 50,000 00 52,000 00 

N. Y. Central & Hudson River R.R. stoek, . 50,000 00 54,500 00 

Rome, Watertown & Ogdensburg KM. stock, . 50,000 ( 55,500 00 

Delaware & Hudson Canal stock, . . . 20,000 00 26,900 00 

Western Union Telegraph stock, . . . 22,000 00 21,000 00 

olidated Gas stock, 50,000 00 62,750 00 

United States bonds 75,000 00 85,500 00 

Richmond, Va M city bonds, .... 15,00000 15,30000 



1802.] 



INS. COS. OF OTHER STATES. 



343 



X. V., Lake Erie & Western Railroad bonds, 
Chicago, Burlington & Quincy R.R. bonds, 

St. Joseph & Grand Island Railroad bonds, 
Ilousatonic Railroad bonds, 
Philadelphia A Reading Railroad bonds, 
Atchison, Topeka & Santa Fe R.R. bonds, 
Chesapeake & Ohio Railroad bonds, 
X. Y., West Shore & Buffalo R.R. bonds, 
X. V., Ontario & Western Railroad bonds, 
Western Union Telegraph bonds, . 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, ad per schedule, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, 
Premiums more than 3 months due, $7,140 60 

Gross assets, 

Deduct special deposits iu other States, . 



Tar Value. 

$20,000 00 
20,000 00 
20,000 00 
20,000 00 
2.5,000 00 
20,000 00 
20,000 00 
20,000 00 
10,000 00 
10,000 00 



Market Value. 

$20,300 00 
17,000 00 
18,600 00 
22,900 00 
21,400 00 
16,800 00 
20,400 00 
20,800 00 
10,700 00 
10,650 00 



$747,000 00 $953,000 00 

31, 1892. 

$207,000 00 

291,850 00 

2,119 25 

953,000 00 

149,808 57 

141,282 05 

1,106 76 



$1,746,166 63 
100,800 00 



Balance, $1,645,366 63 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, 
Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, . 



$40,904 80 

73,981 00 

4,250 00 

$119,135 80 
15,000 00 

$104,135 80 

894,312 07 

28,129 15 

1 1,026,577 02 
35,780 00 



990,797 02 



$654,569 61 
300,000 00 



$354,569 61 



* Value of lands mortgaged, $310,000 00 

Value of buildings thereon, 366,450 00 

Amount of insurance held as collateral 312,225 00 



344 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income 

Fire premiums outstanding Dec. 31, 1891, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, .... 

Gross cash income, . 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Xet cash paid for fire losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, . 

Gross cash expenditures, . 



$141,754 34 
1,760 19 



$13<\994 15 
1,276,873 83 

$1,416,867 98 
149,529 41 



$1,267,338 57 
160,705 39 



sources, 



$1,106,633 18 

20,554 46 

37,751 25 

553 21 



. $1,165,492 10 



$663,110 66 
47,553 77 



5615,556 89 

30,000 00 

248,353 10 

41,969 43 

26,573 13 

139,419 25 



,101,871 80 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1891, . $168,422,032 00 $1,669,105 77 
Fire risks written during 1892, . . 120,346,866 00 1,276,873 83 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . . . . $171,960,918 00 $1,736,221 31 



$288,768,898 00 $2,945,979 60 
109,943,992 00 1,130,116 80 



$178,824,906 00 $1,815,862 80 
6,863,988 00 79,641 49 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, . 

Cash dividends declared from organization of company, 

Dividends declared during the year (10 per cent.),. 

Company's stock owned by directors, . . . . 



$16,968,464 00 

9,368,1«6 00 

606,842 00 

618,000 00 

30,000 00 

102,000 00 



1892.] 



INS. COS. OF OTHER STATES. 



345 



"THE WESTERN INSURANCE COMPANY OF PITTSBURGH," 

PITTSBURGH, PA. 

[Incorporated March 20, 1849. Commenced business May 1, 1849.] 

Paid-up Capital, $300,000. 

ALEXANDER NIMICK, President. WM. P. HERBERT, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, $30,000 00 

Allegheny County bonds, . . 20,000 00 

Pittsburgh Junction Railroad bonds, . . 18,000 00 

Pittsburgh & Western Railroad bonds, . . 10,000 00 

100 shares Pittsburgh & Western Railroad, . 5,000 00 

Lawrence Railroad bonds, .... 1,000 00 

Pittsburgh & Allegheny Bridge Co. bonds, . 15,000 00 

Wilkinsburg Borough bonds, .... 30,000 00 

Braddock Township school bonds, . . . 9,000 00 

Bellevue Borough school bonds, . . . 1,0)0 00 

German Evan. Trot. Church, Pittsburgh, bMs, 8,000 00 

$147,000 00 

Summary op Assets Dec. 31, 1892. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the companj-, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross"), 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
State and local taxes, .... 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, . 

Impairment of capital, 



$62,000 00 

156,675 00 

2,056 00 

151,265 00 

1,046 58 

22,362 63 

325 00 

21,428 81 



$5,661 92 

12,527 50 

600 00 

$ 18,789 42 
52 97 



$18,736 45 

95,510 25 

150 00 

3,712 82 



Market Value. 

$34,200 00 

20,000 00 

21,240 00 

8,400 00 

1,700 00 

1,050 00 

15,525 00 

30,600 00 

9,120 00 

1,000 00 

8,430 00 

$151,265 00 



$417,159 02 



118,109 52 

$299,049 50 

300,000 00 

$950 50 



* Value of lands mortgaged $163,500 00 

Value of buildings thereon 300,200 00 

Amount of insurance held as collateral, . . 143,300 00 



346 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 
Fire premiums outstanding Dec 31, 1891, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

re-insurance and return premiums, 

Net cash fire premiums received, 
Cash marine premiums received, 
Interest received on mortgages, 
Interest and dividends received from all 
Income from rents, .... 

Gross cash income, . 



$20,125 19 
178,391 21 

$198,516 40 
21,428 81 



£177,087 59 
21,449 19 



other sources, 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 
Net cash paid for fire losses, . . . t 
Cash paid for marine and inland losses, . 
for commissions and brokerage, 
for salaries of officers and employees, 
for State and local taxes, 
for incidentals, 

Gross cash expenditures, .... 

Risks and Premiums. 



$143,303 98 
3,488 60 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total, . . . . • . 
Deduct risks expired and terminated, 

Tn force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks written during 1892, . 
Deduct risks expired and terminated, 



.$16,374,887 00 
. 15,782,083 00 



. $32,156,970 00 
. 14,830,289 00 



.$17,326,681 00 
449,011 00 



$155,638 40 

343 02 

8,944 12 

6,961 92 

1,225 00 

$173,112 46 



$139,815 38 

52 63 

25,503 68 

8,970 00 

5,089 40 

6,481 65 

$185,912 74 



Premiums. 

$188,044 01 
178,391 21 



$366,435 22 
172,160 25 



$194,274 97 
4,671 53 



.$10,877,670 00 $189,603 44 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, 

Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 

Company's stock owned by directors, 



$11,875 
41,875 


Of 

OC 


» $343 02 
343 02 

$3,508,683 00 

2,004,429 00 

122,081 00 

53 00 


pany, 
• • 




890,500 00 
65,950 00 



1892.] 



INS. COS. OF OTHER STATES. 



347 



" WILLIAMSBURGH CITY FIRE INSURANCE COMPANY," 

BROOKLYN, N. Y. 

[Incorporated March, 1853. Commenced business March, 1853.] 

1 'aid-up Capital, $250,000. 

MARSHALL 8. DRIGG3, President. FRED'K H. WAY, Secretary. 



Detailed Statement of Stocks and Bonds. 



Richmond, Va.. city bonds, 

Georgia state bonds, .... 

Calvary Cem., Greenpoint & IVklyn R.R. bonds 
Long Island Bank, Brooklyn, stock, 
First National Bank, Brooklyn, stock, 
People's Gas Light Company, Brooklyn, stock 
Metropolitan Gas Light Co , Brooklyn, stock, 
Dry Dock, Last Broadw'y & Battery R R. stock 
King's County Trust Co., Brooklyn, stock, 
Brooklyn City Hail road stock, . 
New York and New Jersey Teleph. Co. stock 
Brooklyn and New York Ferry Co. stock, 
Second Aw Railroad Company of N. Y. stock 



Par Value. 

$12,500 00 
25,000 00 

2,000 00 
10,000 00 

5,000 00 
13,000 00 

5,000 00 
20,000 00 

9,000 00 
50,000 00 
10,000 00 

5,000 00 
18,000 00 



Market Value. 

$12,500 00 
28,750 00 

2,200 00 
15,000 00 
22,500 00 
13,650 00 

6,250 00 

34,000 00 

24,750 00 

150,000 00 

9,700 00 

8,750 00 
32,400 00 



$184,500 00 $360,450 00 



Securities held as collateral for cash loans : — 

Title Guarantee and Trust Company stock, 
Lafayette Insurance Company stock, 
Amphion Academy stock, .... 

Second Avenue Railroad stock, 



Market Value. Loaned Thereon. 



$6,400 00 

700 00 
250 00 
720 00 

$8,070 00 



$5,000 00 
1,000 00 

$6,000 00 



Summary of Assets Dec. 31, 1892. 

Cash value of unencumbered real estate, . $629,843 90 

Loans on mortgage of real estate (first liens*), 323,650 00 

Interest due or accrued thereon, . . . 1,305 41 

Stocks and bonds, as per schedule, . . . 360,450 00 

Loans on collateral security, as per schedule, . 6,000 00 

Cash in the office of the company, . . 1,267 60 

Cash deposited in bank, 92,228 42 

Interest due and accrued, 3,156 35 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$277,000 00 
257,500 00 
290,800 00 



348 FIRE, MARINE, AXD FIRE-MARINE [Dec. 31, 



Premiums in course of collection (gross), 

Rents doe and aocroed, 

Re-insurance, 

Premium- more than S months due, $1,088 37 
Gross assets,* ...... 

Dedocl special deposits in other States, . 



$70,804 75 

7,396 83 

2G0 76 



,496,364 02 

41,250 00 



Balance, $1,455,114 02 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, ..... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
State and local taxes, .... 
Commissions and brokerage, . 
Re-insurance, ...... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1891, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

LesH re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, ..... 

Gross cash income, .... 



$24,307 51 

39,122 23 

5,269 79 

$68,699 53 
5,900 77 

$62,798 76 

474,468 88 

2,683 46 

12,337 24 

933 86 

1563,222 20 

22,052 60 



$69,302 48 
4,632 61 



$64,669 87 
637,259 04 



$701,928 91 
71,893 12 



$630,035 79 
73,715 92 



sources, 



531,169 60 



$923,944 42 

250,000 00 

$673,944 42 



$556,319 87 
15,975 68 
18,208 15 
42,954 88 

$633,458 58 



* Including $280,000 special reserve fund held under New York law. 



1892.] 



INS. COS. OF OTHER STATES. 



349 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for lire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, .... 

for expenses on real estate, 

Gross cash expenditures, .... 



$358,078 53 
31,471 97 



$326,606 56 

50,100 00 
132,211 60 
60,617 64 
6,185 69 
35,929 49 
16,755 09 

$628,406 07 



Risks and Premium*. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$123,413,660 00 
. 77,328,860 00 



Premiums. 

$73,904 12 

637,259 04 



$200,742,520 00 $1,611,163 16 
. 77,367,316 00 627,440 60 



$123,375,204 00 
. 5,338,569 00 



$983,722 56 
48,168 80 



$118,036,635 00 $935,553 76 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent.), 
Company's stock owned by directors, .... 



$13,166,119 00 

6,848,309 00 

355,746 00 

1,302,500 00 

50,000 00 

82,550 00 



350 



INS. COS. OF OTHER STATES. [Dec. 31, '92. 



AGGREGATE. 



Capital Stock. 
Capital actually paid up in cash, 
Scrip outstanding, .... 



Gross present assets, . 



Assets. 



Liabilities. 
Gross present liabilities, 

Income. 
Cash actually received for tire premiums, 
for marine and inland premiums, . 
for interest and dividends from all sources, . 
from all other sources, 

Gross cash income, 

Expenditures. 
Cash actually paid during the year for fire losses, . 
for marine and inland losses, .... 
for dividends to stockholders, .... 
for redemption of scrip, . . 
for interest to scrip-holders, .... 
for brokerage and commission on premiums, 
for salaries and pay of officers and employees, 
for State and local taxes, .... 

for office, agency and incidental expenses, 

Gross cash expenditures, 

Miscellaneous. 

Whole amount of fire risks written during the year, 
premiums charged or receivable thereon, . 
marine and inland risks written during the year, 
premiums charged or receivable thereon, . 
fire risks terminated during the year, . 
marine and inland risks terminated, 
tire risks outstanding at end of year, . 
marine and inland risks outstanding, . 
cash dividends declared during the year, 
fire losses incurred during the year, 
marine losses incurred during the year, 



$43,359,919 00 
7,596,700 00 



$170,209,326 00 



• 


$80,377,409 00 




$72,900,707 00 


. 


8,169,707 00 


. 


6,657,640 00 


• 


940,955 00 


• 


$88,675,075 00 




$45,318,943 00 




4,699,684 00 




4,960,483 00 




1,330,412 00 




455,197 00 




14,785,081 00 




5,9U,oK) 00 




1,733,730 00 




5,802,425 00 


• 


$85,099,405 00 




$8,080,957,957 00 




92,424,344 00 




1,699,36 1,084 00 




12,081,445 00 




7,728,942,341 00 




1,709,219,564 00 




10,014,444,343 00 




179,733,190 00 




4,863,461 00 




46,2(K),302 00 




4,870,478 00 



UNITED STATES BRANCHES OF 

FOREIGN FIRE AND MARINE 
INSURANCE COMPANIES. 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1892. 



352 



UNITED STATES BRANCHES OF [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



UNITED STATES BRANCH OF THE "ATLAS ASSURANCE 
COMPANY," LONDON, ENGLAND. 

Deposit Capital, $200,000. 

J. M. NEUBURGER, General Manager. 

Office, Chicago, 111. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, $300,000 00 

Boston city bonds 180,000 00 

Fitchburg Railroad bonds, .... 20,00000 

Pennsylvania Railroad bonds, .... 25,000 00 

N. Y. Central & Hudson River R.R. bonds, . 25,000 00 



Market Value. 

5339,000 00 

189,000 00 

20,600 00 

29,500 00 

25,000 00 



Summary of Assets Dec 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Gross assets, 



$550,000 00 $603,100 00 

31, 1892. 

$603,100 00 

255 29 

40,040 41 

87,482 94 

$730,878 64 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



$113,000 00 
10,618 55 



123,618 55 



Balance, $607,260 09 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Xcl amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 



$6,039 28 

32,727 03 

707 92 

$39,474 23 
1,000 00 



$38,474 23 

199,396 33 

54 17 



1892.1 FOREIGN FIRE INSURANCE COS. 



353 



State and local taxes, $11,729 88 

Commissions and brokerage, .... 17,496 59 

Gross liabilities, except capital, . . $267,151 20 

Deduct liability on special deposits, . . 12,424: 51 



Surplus as regards policy-holders, . 
Deposit capital, 



Surplus over capital, 

Income. 
Fire premiums outstanding Dec. 31, 1891, . $35,308 70 
Premiums on risks written or renewed, . . 440,257 77 

Total, $475,566 47 

Premiums now in course of collection, . . 87,482 94 

Entire premiums collected, .... f 388,083 53 
Less re-insurance and return premiums, . . 31,733 27 

Net cash fire premiums received, . . . 

Interest and dividends received from all sources, . 

Gross cash income, 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 

Risks and Premiums. 



$144,459 10 
2,628 65 



$254,726 69 

$352,533 40 

200,000 00 

$152,533 40 



$356,350 26 
3,851 95 

$360,202 21 



$141,830 45 

82,426 24 

12,354 77 

3,108 15 

19,187 79 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



Net amount in force, . 

Miscellaneous. 
Fire losses incurred during the year, 



$258,907 40 

Premiums. 

$128,128 64 
440,257 77 

$568,386 41 
159,112 41 

$109,274 00 
35,781 56 

$26,730,178 00 $373,492 44 



$162,929 00 



. $9,347,620 00 

. 33,147,116 00 

$42,494,736 00 

. 13,882,921 00 

.128,611,815 00 

. 1,881,637 00 



354 



UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE "BRITISH AND FOREICX 
MARINE INSURANCE COMPANY (LIMITED)," LIVERPOOL, 
ENGLAND. 

Deposit Capital, $504,840. 
L. ALLYN WIGHT, Resident Manager. 

Office, Neiv York, N. Y. 



Detailed Statement of Stocks 



United States bonds, 

Boston & Lowell Railroad bonds, 

Fitchburg Railroad bonds, 

Boston, Clinton, Fitch. & N. Bedf'd R.R. bonds 

Providence & Worcester Railroad bonds, 

Gl»d Colony Railroad bonds, 

Eastern Railroad bonds, .... 

Allegheny Valley Railroad bonds, . 

Pennsylvania Railroad bonds, . 

Chicago, Mil. & St. Paul Railroad bonds, 

Brooklyn city bonds, .... 

New York city bonds, .... 



and Bonds. 

Par Value. 

$225,000 00 

100,000 00 

80,000 00 

2,000 00 

50,000 00 

52,000 00 

20,840 00 

100,000 00 

39,000 00 

75,000 00 

42,000 00 

58,000 00 



Market Value. 

$257,625 00 

101,583 33 

80,600 00 

2,320 00 

55,000 00 

55,320 83 

25,482 96 

122,000 00 

41,827 50 

81,281 25 

42,630 00 

59,160 00 



$843,840 00 $924,830 87 



Summary of Assets Dec 

Loans on mortgage of real estate (first liens), 
Stocks and bonds, as per schedule, . 
Cash in the office and in bank, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Re-insurance, . . , . 

Gross assets, 

Unadmitted. 
Special deposits, 

Cash not in control of trustees, 

Balance, 

Losses adjusted and reported, 
Losses disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risk 
Unused balances of premium notes, 
State and local taxes, . 



Liabilities. 



b, 



31, 1892. 

$50,000 00 

924,830 87 

55,506 67 

217,638 25 

14,472 99 

26,787 24 



$1,289,236 02 



$193,125 00 
55,506 67 



248,631 67 
. $1,040,604 35 



$134,981 84 
10,004 00 

$144,085 84 
20,812 84 

$124,173 00 

224,291 17 

11,945 93 

2,990 69 



L892.] FOREIGN FIRE INSURANCE COS. 



355 



Commissions and brokerage, . 
He-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, 



$13,349 40 
82,931 32 

$159,681 51 
5,159 96 



$454,521 55 

$586,082 80 

504,840 00 

$81,242 80 



$1,363,512 84 
46,113 90 



Surplus over capital, . 

Income. 

Marine premiums outstanding Dec. 31, 1891, . $284,153 31 
Same not collected, 9,517 33 

Net collected $274,635 98 

Premiums on risks written or renewed, . 1,986,475 31 

Total, $2,261,111 29 

Premiums now in course of collection, . . 221,508 41 

Entire premiums collected $2,039,602 88 

Less re-insurance and return premiums, . . 676,090 04 

JS'et cash marine premiums received, . . 

Interest and dividends received from all sources, . 
Received from home office, .... $229,345 37 

Gross cash income, $1,409,626 74 

Expenditures. 

Cash paid for marine and inland losses, . . $1,017,593 04 
Deduct salvage and re-insurance, . . . 549,180 55 

]Set cash paid for marine and inland losses, . 

Cash paid for commissions and brokerage, .... 

for salaries of officers and employees, . 

for State and local taxes, 

Remitted to home office, ... . $876,813 10 

Gross cash expenditures, 

Risks and Premiums. 



Marine risks outstanding Dec. 31, 1891, 
Marine risks written during 1892, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 



Net amount in force, . 

Miscellaneous. 
Marine and inland losses incurred during the year, 



$468,412 49 

165,983 83 

82,715 38 

21,605 70 

$738,717 40 

Premiums. 

$303,482 92 
1,986,475 31 

$2,289,958 23 
2,044,962 78 

$244,995 45 
96,387 24 

$11,450,892 00 $148,608 21 



$22,425,546 00 
383,477,395 00 



$405,902,941 00 
388,140,482 00 



$17,762,459 00 
6,311,567 00 



$463,834 00 



350 



UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE "CALEDONIAN INSUR- 
ANCE COMPANY," EDINBURGH, SCOTLAND. 

Deposit Capital, $200,000. 

TETER NOTMAN, 1 

THOMAS F. GOODRICH, ' tja 

GEO. C. HOWE, > Resident Managers. 

CHARLES H. POST, J 

Office, New York, N. Y. 
[Detailed Statement of Stocks and Bonds. 

Par Value. 

United States registered bonds, . . . $300,000 00 

Lehigh Valley Railroad bonds, . . . 50,000 00 

Allentown Terminal Railroad bonds, . . 50,000 00 

Richmond & Petersburg Railroad bonds, . 50,000 00 

Penn and New York Canal & R.R. bonds, . 100,000 00 

Chicago, Burlington & Quincy R.R. bonds, . 50,000 00 

New York, Chicago & St. Louis R.R. bonds, . 50,000 00 

St. Paul, Minn. & Manitoba R.R. bonds, . . 150,000 00 

City of Richmond, Va., bonds, .... 22,500 00 

New York city bonds, 200,000 00 

Georgia State bonds, 25,000 00 

Lake Erie & Western Railroad bonds, . . 30,000 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 25,000 00 

Fremont, Elkhorn & Mo. Val. R R. bonds, . 15,000 00 

Albany & Susquehanna Railroad bonds, . . 15,000 00 

Philadelphia, Milwaukee & Balto. R.R. bonds, 50,000 00 

Central Railroad of ^. J. bonds, . . . 100,000 00 

Jersey City (N. J.) bonds, .... 34,000 00 



Market Value. 

$339,750 00 

63,750 00 

50,000 00 

50,000 00 

101,000 00 

42,509 00 

48,750 00 

144,000 00 

22,500 00 

201,000 00 

25,000 00 

33,450 00 

29,250 00 

18,450 00 

19,050 00 

50,250 00 

111,375 00 

39,740 00 



$1,316,500 00 $1,389,815 00 



Summary of Assets Dec. 31, 1892 



Loans on mortgage of real estate (first liens), 

Stocks and bonds, as per schedule, . 

Cash in the office of the company, . 

Cash deposited in bank, . 

Interest due and accrued, . 

Premiums in course of collection (gross) 

Re-insurance, 

Gross assets, .... 



$50,000 00 

1,389,815 00 

162 26 

254,082 30 

6,750 00 

269,200 22 

4,236 57 



$1,974,246 35 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



!210,750 00 
1,026 50 



211,776 50 



Balance, $1,762,469 85 



1892.] FOREIGN FIRE INSURANCE COS. 



357 



Liabilities. 

Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 

Re-insurance, 

Contingent reserve, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, . 
Deposit capital, 



8230,839 79 
10,338 00 

1,214,978 65 

34,232 02 

6,460 69 

20,000 00 

$1,516,849 15 
78,274 00 



,438,575 15 



Surplus over capital, . 



$323,894 70 
200,000 00 

$ 123,894 70 



Income. 

Fire premiums outstanding Dec. 31, 1891, . $95,298 77 
Same not collected 18,259 70 

Net collected, $77,039 07 

Premiums on risks written or renewed, . . 2,395,216 24 

Total $2,472,255 31 

Premiums now in course of collection, . . 269,200 22 

Entire premiums collected, .... $2,203,055 09 
Less re-insurance and return premiums, . . 321,578 85 

Net cash fire premiums received, . . . $1,881,476 24 

Interest received on mortgages, 3,000 00 

Interest and dividends received from all other sources, . . 35,786 23 

Gross cash income, ........ $1,920,262 47 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fife losses, . . . . - 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



$792,072 27 
81,453 24 



$710,619 03 

553,947 77 

106,697 48 

32,793 00 

79,408 38 



Gross cash expenditures, 



. $1,483,465 66 



358 



UNITED STATES BRANCHES OF [Dec. 31, 
Risks and Premiums. 



Fire risks outstanding Doc. 31, 1891, 
Fire risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

$70,170,885 00 $813,364 96 
282,187,583 00 2,395,216 24 



$352,358,468 00 $3,208,581 20 
. 70,066,589 00 384,107 57 



$282,291,879 00 $2,824,473 63 
. 33,925,411 00 431,057 20 



$248,366,468 00 $2,393,416 43 



Miscellaneous. 
Fire losses incurred during the year, 



. $863,048 00 



UNITED STATES BRANCH OF THE "CITY OF LONDON FIRE 
INSURANCE COMPANY (LIMITED)," LONDON, ENGLAND. 

Deposit Capital, $200,000. 

JOHN C. PAIGE, Resident Manager. 

Office, No. 20 Kilby Street, Boston. 



Detailed Statement of Stocks and Bonds. 



United States bonds, 

Old Colony Railroad bonds, . . 
Chicago, Burlington & Quincy R.R. bonds, 
Fitchburg Railroad bonds, 
Southern Kansas Railroad bonds, 
Oregon Railway & Navigation Co. bonds, 



Par Value. 

$200,000 00 
50,000 00 
50,000 00 
24,000 00 
52,000 00 
47,000 00 



Market Value. 

$229,000 00 

51,500 00 

50,000 00 

26,400 00 

43,680 00 

51,230 00 



$423,000 00 $451,810 00 



Summary of Assets Dec. 31, 1892. 



Stocks and bonds, as per schedule, . 
( lash in the office of the company, . 
( !asfa deposited in bank, .... 

[nteresl due and accrued, .... 

Premiums in course of collection (gross), 

Premiums more than 3 months due, $1,006 00 

Gross assets, 



$451,810 00 

86 97 

14,886 68 

3,026 66 

80 75 



$469,391 06 



1802.] FOREIGN FIRE INSURANCE COS. 359 

Unadmitted. 

Cash Dot in control of trust* $4,305 18 

Balance $465,085 88 



Liabilities. 

ges adjusted, unpaid, . 
claimed and reported, . 
disputed or resisted, 

.1 amount of losses, 
I. 9s : -insurance, .... 

Net amount of anpaid losses 

Unearned premiums on outstanding ri-k-, 

Commissions and brokerage, . 

Bills payable 

Gross liabilities, except capital, 

Surplus guards policy-holders, 

Deposit capital, .... 

Surplus over capital, . 



$9,987 35 
7,412 73 
8,523 93 

$25,924 01 
35 00 

$25,889 01 
65,610 17 
18 
190 27 



91,648 37 

$373,437 51 
200,000 00 

$173,437 51 



Income. 

Fire premiums outstanding Dec. 31, 1891, . $70,479 25 
Premiums on risks written or renewed, . . 56,485 23 

Total ? 126,964 48 

Premiums now in course of collection, . . 1,086 76 

Entire premiums collected, .... $125,877 72 
Less re-insurance and return premiums, . . 32,575 98 

Xet cash fire premiums received, . . . $93,301 74 

Interest and dividends received from all sources, . . . 22,905 73 

Gross cash income, $116,2'j7 47 

EXPEXDITCRES. 

Cash paid for fire losses $176,053 63 

Deduct salvage and re-insurance, . . . 6,577 92 

Net cash paid for fire losses, .... $169,475 71 

Cash paid for commissions and brokerage, .... 26,745 78 
for salaries of officers and employees, . . . 19,795 97 

for State and local taxes, 6,974 72 

for incidentals, ....... 6,807 32 

Remitted to home ofiice, $18,733 14 

Gross cash expenditures, §229,799 50 



300 



UNITED STATES BRANCHES OF [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force,. 



Miscellaneous 
Fire losses incurred during the year, 



$48,710,579 00 
4,009,588 00 

$52,720,167 00 
38,424,297 00 

$14,295,870 00 
480,892 00 



Premiums. 

$563,512 02 
56,485 23 

$619,997 25 
453,802 07 

$166,195 18 
6,234 05 



$13,814,978 00 $159,961 13 



$147,531 00 



UNITED STATES BRANCH OF THE "COMMERCIAL UNION 
ASSURANCE COMPANY (LIMITED)," LONDON, ENGLAND. 

Deposit Capital, $200,000. 

CHARLES SEWALL, Resident Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, . . . . $425,000 00 $18<i,250 00 

Akron & Chicago Junction Railroad bonds, . 30,000 00 31,500 00 

Baltimore & Ohio Valley Railroad bonds, . 50,000 00 54,000 00 

Central Railroad of New Jersey bonds, . . 50,000 00 55,500 00 

Chicago, Burlington & Quincy R.R. bonds, . 100,000 00 103,250 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 150,000 00 174,062 50 

Chicago & Northwestern Railroad bo^ds, . 124,000 00 148,790 00 

( hicago, Rock Island & Pacific R.R. bonds, . 60,000 00 74,700 00 

Cleveland, Cincinnati & Chicago R.R. bonds, . 50,000 00 46,000 00 

Denver & Rio Grande Railroad bonds, . . 60,000 00 51,900 00 

Indianapolis & Vincennes Railroad bonds, . 65,000 00 78,000 00 

Lehigh Valley Railroad bonds, . . . 100,000 00 107,750 00 

Louisville & Nashville Railroad bonds, . . 50,000 00 51,250 00 

Milwaukee, Lake Shore & West'n R.R. bonds, 25,000 00 31,500 00 

New York Central & Hudson Riv. R.R. bonds, 30,000 00 36,600 00 

X. V., Lackawanna & Western R.R. bonds, . 50,000 00 65,000 00 

Pittsburg, Ft Wayne & Chicago R.R. bonds, . 15,000 00 23,175 00 

Western Pennsylvania Railroad bonds, . . 50,000 00 50,250 00 

West Shore Railroad bonds 50,000 00 51,750 00 

Michigan Central Railroad bonds, . . . 40,000 00 42,400 00 



$1,574,000 00 f 1,757,627 50 



\t\)2.-] FOREIGN FIRE INSURANCE COS. 



3(51 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, .... 

Re-insurance, 

Premiums more than 3 months due, $4,977 11 
Gross assets, 



Unadmitted. 



Special deposits, 

Cash not in control of trustees, 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, . 
Less re-insurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Return premiums and re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, 
Deposit capital, .... 

Surplus over capital, . 

Income 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 



31, 1892. 

$864,314 96 . 

1,757,627 50 

336 23 

425,085 45 

25,549 99 

487,160 17 

16,844 28 

11,036 28 

3,035 88 



$3,590,990 74 



$254,250 00 
57,391 49 



$341,992 59 

7,500 00 

24,280 00 

$373,772 59 
9,631 00 

$364,141 59 

2,244,516 06 

18,545 75 

2,666 66 

69,382 59 

7,891 94 

$2,707,144 59 
172,262 11 



$471,585 35 
3,547,123 90 



1,018,709 25 

485,471 44 



1,533,237 81 
746,388 87 



311,641 49 
1,279,349 25 



2,534,882 48 

$744,466 77 
200,000 00 



$544,466 77 



!,786,848 94 



362 



UNITED STATES BRANCHES OF [Dec. 31, 



Marino premiums outstanding Deo. 31, 1891, . $1,741 58 

Premiums on risks written or renewed, . . 247,536 80 

Total $249,278 38 

Premiums now in course of collection, . . 1,688 73 



Entire premiums collected, .... $247,589 65 
Less re-insuranee and return premiums, . . 43,471 10 

Net cash marine premiums received, . . 

Interest and dividends received from all sources, . 

Income from rents, 



Deposits received for perpetual fire risks, 
Gross cash income, .... 

Expenditures. 



Cash paid for fire losses; .... 

Deduct salvage and re-insurance, . 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, .... 

Risks and Premiums. 



$12,781 67 



$1,958,975 78 
61,216 87 



$204,118 55 
78,523 77 
38 321 67 



$3,107,812 93 



$243,105 67 
80,264 54 



$1,382 00 



,897,758 91 

162,841 13 

586,174 72 

137,408 06 

84,134 33 

121,120 71 

1,989,437 86 



$399,296,143 00 
333,686,763 00 

$732,982,906 00 
317,347,318 00 

$415,635,588 00 
8,659,690 00 



Premiums. 

$4,037,270 42 
3,547,123 90 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, .... $406,975,898 00 $4,319,349 53 
Perpetual risks in force (not included in above), $893,079 00 $20,606 39 



$7,584,394 32 
3,172,092 38 

$4,412,301 94 
92,952 41 



Marine risks outstanding Dec 31, 1891, 
Marine risks written during 1892, . 

Total, ...... 

Deduct risks expired and terminated, 

In force at end of year, . 

1 ).• duel amount re-insured, 
Net amount in force, . 



$269,550 00 
40,200,666 00 

$40,470,216 00 
38,763,042 00 

$1,707,171 00 
199,000 00 



$11,144 08 
247,536 80 

$258,680 88 
250,190 62 

$8,490 26 
671 80 



$1,508,174 00 $7,818 46 



1892.] FOREIGN FIRE INSURANCE COS. 363 

Miscellaneous. 

Fire losses incurred during the year, $1,955,853 00 

Marine and inland losses incurred during the year, . . 155,341 00 



UNITED STATES BRANCH OF THE "GUARDIAN FIRE AND 
LIFE ASSURANCE COMPANY," LONDON, ENGLAND. 

Deposit Capital, $200,000. 
HENRY E. BOWERS, Resident Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds $425,000 00 $480,250 00 

New York, Chicago & St. Louis R.R. bonds, . 50,000 00 48,312 50 

Brooklyn & Montank Railroad bonds, . . 25,000 00 27,000 00 

Long Island Railroad bonds, .... 50,000 00 57,000 00 

Equitable Gas Light Co. of N. Y. bonds, . 50,000 00 53,500 00 

New York city bonds 275,000 00 277,750 00 

Rochester & Pittsburgh Railroad bonds, . . 50,000 00 57,750 00 

Metropolitan Elevated Railway bonds, . . 50,000 00 58,000 00 



$975,000 00 $1,059,562 50 

Summary of Assets Dec. 31, 1892. 

Loans on mortgage of real estate (first liens*), $359,500 00 

Interest due or accrued thereon, . . . 2,901 21 

Stocks and bonds, as per schedule, . . . 1,059,5G2 50 

Cash in the office of the company, . . . 625 00 

Cash deposited in bank, 117,899 51 

Interest due and accrued, 10,041 67 

Premiums in course of collection (gross), . 120,932 23 

Rents due and accrued, 416 67 

Premiums more than 3 months due, $12,684 29 

Gross assets $1,671,938 79 

Unadmitted. 

Special deposits, $254,250 00 

Cash not in control of trustees, . . . 2,591 45 

256,841 45 



Balance, $1,415,097 34 



* Value of lands mortgaged, $565,200 00 

Value of buildings thereon, 247,800 00 

Amount of insurance held a6 collateral, . . . 247,800 00 



3(U 



UNITED STATES BRANCHES OF [Dec. 31, 



Liabilities. 
sea adjusted, unpaid, . 

claimed and reported, . 
disputed <>r resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, . 
Return premiums, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, .... 

Surplus over capital, 

Income. 

Fire premiums outstanding Dec. 31, 1891, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash fire premiums received, 
Interest received on morUmjnjs, 
Interest and dividends received from all 
Income from rents, .... 

Gross cash income, . 



Expenditures 
Cash paid for fire losses, .... 
Deduct salvage and re-insurance, . 
Net cash paid tor fire losses, . 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for Btate and local taxes, 

for incidental-, 



$41,211 00 
100,136 00 

28,577 00 

^109,92-4 00 
3,G71 00 

^166,253 00 

951,868 01 

4,919 17 

9,837 00 

3,875 76 

196 18 

^,136,949 12 
161,020 79 



$119,596 91 
632 84 

$118,964 07 
1,386,199 04 

$1,505,163 11 
133,616 52 

$1,371,546 59 
264,364 99 



$975,928 33 



$439,169 01 
200,000 00 



$239,169 01 



other sources, 



$1,107,181 60 

10,485 5Q 

32,475 96 

2,500 00 

$1,152,643 12 



$754,576 25 
44,595 71 



$709,980 54 

213,580 85 

115,345 76 

38,657 29 

80,544 43 



Gross cash expenditures, 



. $1,158,108 87 



1892] FOREIGN FIRE INSURANCE COS. 



365 



Risks and Premiums. 



Fire risks outstanding Dee. 81, 1891, 
Fire risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, 



$210,781,021 00 
. 140,675,781 00 



f357,456,802 00 
134,871,631 00 



$222,585,171 00 
. 7,746,577 00 



Premiums. 

$1,705,593 69 

1,386,199 04 

$3,091,792 73 

1,194,303 96 

$1,897,488 77 

57,239 11 



$214,838,594 00 $1,840,249 66 



Miscellaneous. 
Fire losses incurred during the year, 



$751,988 00 



UNITED STATES BRANCH OF THE "HAMBURG-BREMEN FIRE 
INSURANCE COMPANY," HAMBURG, GERMANY. 

Deposit Capital, $205,000. 
F. O. AFFIELD, Resident Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $U)0,000 00 $113,250 00 

Georgia State bonds, 25,000 00 27,750 00 

City of Richmond, Va., bonds, .... 15,000 00 16,575 00 

New York city bonds, 205,000 00 208,337 50 

Portland city water bonds, .... 50,000 00 55,000 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 15,000 00 17,925 00 

Chicago & Northwestern Railroad bonds, . 25,000 00 34,250 00 

Chicago, Burlington & Quincy Railroad bonds, 20,000 00 24,650 00 

New York, Lake Erie & Western R.R. bonds, 25,000 00 34,250 00 

Chicago, Rock Island & Pacific R.R. bonds, . 25,000 00 31,000 00 

Central Pacific Railroad bonds, . . . 20,000 00 22,200 00 

Kansas Pacific R.R , Denver division, bonds, . 20,000 00 22,000 00 

Union Pacific Railroad bonds, .... 20,000 00 22,250 00 

Oregon Railway & Navigation Co bonds, . 10,000 00 11,200 00 

Northern Pacific Railroad bonds, . . . 20,000 00 23,650 00 

Louisville & Nashville Railroad bonds, . . 30,000 00 30,750 00 

Illinois Central Railroad bonds, . . . 50,000 00 46,250 00 

St. Paul, Minn. & Manitoba Railroad bonds, . 15,000 00 15,337 50 

Wabash Railroad bonds, . ... . . 25,000 00 25,500 00 

Long Island Railroad bonds 30,000 00 34,350 00 

Atchison, Topeka & Santa Fe R.R. bonds, . 25,000 00 20,843 75 

Lake Erie & Western Railroad bonds, . . 25,000 00 27,687 50 



366 



UNITED STATES BRANCHES OF [Dec. 31, 



New York, Chicago & St. Louis R.R. bonds, 
R i-t Tenn., Virginia & Georgia U.K. bonds, 
Denver & Rio Grande Railroad bonds, . 
Pennsylvania Railroad bonds, . 
Central Ohio Railroad bonds, . 
Pennsylvania Company bonds, 
Scioto Valley & New England Railroad bonds, 
Chic, Mil. & St. PI, Chic. & Pac. \V. Div. b'ds, 



Par Value. 

$30,000 00 
25,000 00 
25,000 00 
10,000 00 
25,000 00 
30,000 00 
30,000 00 
15,000 00 



Market Value. 

$29,250 00 
22,500 00 
21,625 00 
11,350 00 
25,750 00 
32,175 00 
24,600 00 
16,575 00 



$985,000 00 $1,018,831 25 



Summary of Assets Dec. 31, 1892. 

Loans on mortgage of real estate (first liens*), $9,000 00 

Interest due or accrued thereon, . . . 168 75 

Stocks and bonds, as per schedule, . . . 1,048,831 25 

Cash deposited in bank, 173,952 97 

Interest due and accrued, 1,000 00 

Premiums in course of collection (gross), . 92,496 51 

Notes taken for fire risks, .... 3,474 47 
Premiums more than 3 months due, $1,568 80 

Gross assets, 



Special deposits, 

Cash not in control of trustees, 



Unadmitted. 



$99,325 00 
18,952 97 



$1,328,923 95 



118,277 97 



Balance, $1,210,645 98 

Liabilities. 



Losses adjusted, unpaid, 

claimed and reported, . 
disputed or resisted, . 


$ 17,400 00 
94,070 00 
19,595 00 




Total amount of losses, 
Less re-insurance, 


$131,065 00 
14,620 00 




Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 


$116,445 00 

885,994 57 

13,493 86 




Gross liabilities, except capital, 
Deduct liability on special deposits, 


$1,015,933 43 
71,300 10 


944,633 33 




. 


Surplus as regards policy-holders, . 
Deposit capital, 


$266,012 65 
2<»5,000 00 


Sin -plus over capital, .... 


$61,012 65 


Amount of Insurance held at* collateral, 


23,000 00 



1892.] FOREIGN FIRE INSURANCE COS, 



367 



$101,521 66 
1,507,878 24 



$1,609,399 90 
97,539 78 



Income. 

Fire premiums outstanding Doc. 31, 1891, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net casta fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Gross cash income, 



.,511,860 12 
294,933 37 



$1,216,926 75 

405 00 
47,812 73 



. $1,265,144 48 



P^XPENDITURES. 

Cash paid for lire losses, 

Deduct salvage and re-insurance, 

Net casta paid tor fire losses, .... 

Cash paid for -commissions and brokerage, 

for salaries of officers and emplo3'ees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$ 841, 204 26 
58,986 66 



$782,217 60 

194,826 76 

96,928 41 

27,595 98 

70,536 38 



,172,105 13 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1891, . $127,739,954 00 $1,584,169 88 
Fire risks written during 1892, . . . 120,937,436 00 1,507,878 24 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Xet amount in force, . 



$248,677,390 00 $3,092,018 12 
.110,382,596 00 1,323,215 20 



$138,294,794 00 $1,768,832 92 
. 4,107,576 00 51,091 24 



$134,187,218 00 $1,717,741 68 



Miscellaneous. 
Fire losses incurred during the year, 



, $814,803 00 



3C>8 



UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF "THE IMPERIAL INSURANCE 
COMPANY (LIMITED)/ 1 LONDON, ENGLAND. 

Deposit Capital, $286,000. 
JOHN C. PAIGE, Resident Manager. 

Office, 20 Kilby Street, Bostoyi. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

$181,000 00 



I'nited States bonds, . 
New York city bonds, 
City of Poston bonds, 
City of Providence bonds, 
West Shore Railroad bonds, 
Lehigh Valley Railroad bonds, 
West Virginia State certificates, 



150,000 00 

100,000 00 

50,000 00 

100,000 00 

40,000 00 

28,666 67 



Market Value. 

$550,745 00 

150,000 00 

100,000 00 

50,000 00 

104,000 00 

41,800 00 

2,150 00 



$949,666 67 $998,695 00 



Summary of Assets Dec. 31, 1892. 



Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash deposited in bank, . . . 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Rents and salvage, 

Premiums more than 3 months due, $20,324 58 
Gross assets, 



Unadmitted. 



Special deposits, 

Cash not in control of trustees, 



$476,634 70 
998,695 00 
159,520 52 

2,895 83 
210,211 59 

6,924 54 



$280,525 00 
44,520 52 



,854,882 18 



325,045 52 



Balance, $1,529,836 66 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses. . 
Unearned premiums on outstanding risks, 



$10,696 45 
95,004 25 
24,893 81 



$130,594 51 
1,969 27 



$128,625 24 
964,666 27 



1892.] FOREIGN FIRE INSURANCE COS. 



300 



Commissions and brokerage, . 
Return premiums and re-insurance, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, 
Deposit capital, 



Surplus over capital, . 



$36,961 68 
4,204 21 

,134,457 40 
62,260 13 



$1,072,197 27 

$457,639 39 
286,000 00 

8171,639 39 



Income. 

Fire premiums outstanding Dec. 31, 1891, . 8210,679 00 
Premiums on risks written or renewed, . . 1,632,303 30 

Total $1,842,982 30 

Premiums now in course of collection, . . 230,536 17 



Entire premiums collected, .... $1,612,446 13 
Less re-insurance and return premiums, . . 371,436 79 

Net cash fire premiums received, . . . 

Interest and dividends received from all sources, . 

Income from rents, 



$1,241,009 34 
36,337 34 
17,433 14 



Gross cash income, $1,294,779 82 

Expenditures. 



Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Remitted to home office, 



$850,005 11 
66,508 94 



$783,496 17 

245,242 90 

112,412 64 

47,667 58 

39,470 12 



818,905 11 
Gross cash expenditures, $1,228,289 41 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

$189,495,626 00 $1,779,062 78 
171,176,588 00 1,632,303 30 



$360,672,214 00 $3,411,366 08 
148,241,927 00 1,460,725 36 



$212,430,287 00 $1,950,640 72 
8,884,119 00 115,195 48 



Miscellaneous. 
Fire losses incurred during the year, 



$203,546,168 00 $1,835,445 24 
. $823,003 00 



370 UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE "LION FIRE INSURANCE 
COMPANY," LONDON, ENGLAND. 

Deposit Capital, $200,000. 

M. BENNETT, Business Manager. 

Office, Hartford, Conn. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $150,000 00 $169,875 00 

Brooklyn city bonds 200,000 00 206,000 00 

Richmond city bonds, 17,000 00 17,000 00 

Georgia State bonds, 25,000 00 25,000 00 



$392,000 00 $417,875 00 
Securities held as collateral for cash loans : — 

Market Value. Loaned Thereon. 

30 shares Hartford Fire Insurance Company, $10,500 00 $6,500 00 

120 " Pennsylvania Railway, . . . 6,525 00 4,500 00 

24 " Hartford Fire Insurance Company, 8,400 00 ) 

100 " Western Union Telegraph Co., . 9,525 00 S 

11 " iEtna Fire Insurance Company, . 2,860 00 ) 

14 " Phcenix Fire Insurance Company, . 2,632 00) 

41 " Hartford Carpet Company, . . 4,100 00 3,300 00 



9,000 00 
3,200 00 



$44,542 00 $26,500 00 



Summary of Assets Dec. 31, 1892. 
Loans on mortgage of real estate (first liens*), $217,600 00 



Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . , 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 



4,717 86 

417,875 00 

26,500 00 

58 60 

161,997 48 

5,798 75 

79,785 54 



Gross assets, 8914,333 23 

Unadmitted. 
Special deposits, $211,875 00 



Cash not in control of trustees, . . . 434 48 



212,309 48 



Balance, $702,02,") 75 



* Value of lands mortgaged, $ 16">,015 00 

Value of buildings thereon, 313,285 00 

Amount of insurance held as collateral, .... 240,500 00 



1892.] FOKEIGN FIRE INSURANCE COS. 



371 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, ...... 

Surplus over capital, . 

Income. 

Fire premiums outstanding Dee. 81, 1891, 
Premiums on risks written or renewed, . 



$33,649 22 
56,236 00 
12,482 00 

376,570 56 

11,550 10 

9,205 43 

$499,693 31 
(32,078 33 



$103,965 94 

1,012,460 34 

$1,116,426 28 

79,785 54 

SI, <»3<i. 6 40 74 

452,037 70 



Total 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash tire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Gross cash income, 

Expenditures. 
Cash paid for fire losses, 

for commissions and brokerage, 

for salaries of officers and employees, . 

for State and local taxes, 

for incidentals, ....... 

Gross cash expenditures, 

Risks and Premiums. 



$137,114 98 

$264,908 77 
200,000 00 



$64,908 77 



$584,603 04 

10,586 51 

16,982 60 

$612,172 15 



§356,585 24 
98,715 95 
29,533 16 
18,211 57 
37,942 81 



$540,988 73 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

$830,667 41 

1,012,460 34 

51,843,127 75 

838,443 15 

|1, 004,684 60 

287,051 90 

$64,093,505 00 $717,632 70 



$73,001,830 00 
89,081,174 00 

$162,083,004 00 
74,757,705 00 

$87,325,299 00 
23,231,794 00 



Miscellaneous. 
Fire losses incurred during the year, 



$386,028 00 



372 



UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE "LIVERPOOL AND LONDON 
AND GLOBE INSURANCE COMPANY,- LIVERPOOL, ENGLAND. 

Deposit Capital, $200,000. 
HENEY W. EATON, Resident Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bond-. 



United States bonds, .... 

New York city bonds, .... 
Richmond city bonds, .... 

Boston city bonds, 

Underwriters Protec. Ass'n (Newark) bonds, 



Par Value. Market Value. 

$1,575,000 00 $1,811,250 00 
50,000 00 53,500 00 



5,000 00 

180,000 00 

1,000 00 



6,650 00 

209,250 00 

1,000 00 



$1,811,000 00 $2,081,650 00 



Securities held as collateral for cash loans : 
Omaha & St. Louis Railroad bonds, 



Market Value. Loaned Thereon. 

$18,500 00 $9,000 00 



Summary of Assets Dec. 31, 1892. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the compan}*, . 
Cash dej}osited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Loans on life policies, .... 

All other assets, 

Premiums more than 3 months due, $30,466 40 
Gross assets, 



$1,574,500 00 

2,817,537 50 

37,349 72 

2,081,650 00 

9,000 00 

4,964 39 

780,149 59 

366 22 

855,940 22 

15,000 00 

15,455 00 

1,111 25 



$8,193,023 89 



Unadmitted. 



Special deposits, 

Cash not in control of trustees, 

Miscellaneous, . 



$253,000 00 

166,760 34 

1,111 25 



420,871 59 



Balance, $7,772,152 30 



1892.] FOREIGN FIRE INSURANCE COS. 



373 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Reclaimable on perpetual lire policies, . 

Liabilities under life department, 

Commissions and brokerage, . 

Return premiums and re-insurance, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, 



Surplus over capital, 



$6,628 10 
683,473 55 
' 55,177 00 

$745,278 65 
171,480 15 

$573,798 50 
3,923,840 76 
337,499 05 
111,073 85 
100,617 05 
116,997 92 



$5,163,827 13 
199,863 27 



$4,963,963 86 

$2,808,188 44 
200,000 00 

$2,608,188 44 



Income. 
Fire premiums outstanding Dec. 31, 1891, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Deposits received for perpetual fire risks, . 

Gross cash income, .... 



$808,860 20 
5,136 51 

$803,723 69 
6,991,243 39 

$7,794,967 08 
886,406 62 

$6,908,560 46 
1,515,410 87 



sources, 



5,324 24 



$5,393,149 59 
95,727 73 
92,580 11 
68,321 76 

$5,649,779 19 



Expenditures 
Cash paid for fire losses, $3,950,276 73 

Deduct salvage and re-insurance, . . . 448,791 87 

Net cash paid for tire losses, .... $3,501,484 86 

Cash paid for commissions and brokerage, . . . 978,977 58 

for salaries of officers and employees, . . . 265,954 06 

for State and local taxes, 95,752 91 

for incidentals, 246,987 49 

Deposits returned on perpetual fire l'isks, . $14,70131 

Gross cash expenditures, $5,089,156 90 



374 



UNITED STATES BRANCHES OF [Dec. 31, 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1802, 



Risks and Premiums. 

Premiums. 

$743,335,864 00 87,017,073 86 
764,371,09!) 00 6,991,243 39 



$1,507,707,563 00 $14,008,317 25 
598,510,047 00 5,655,075 12 



Total, 

Deduet risks expired and terminated, 

In force at end of year, . 
Deduet amount re-insured, 

Net amount in force, . . ■ . $816,664,970 00 $7,713,076 82 
Perpetual risks in force (not included above), 10,144,964 00 344,735 84 



$909,197,516 00 $8,353,242 13 
92,532,546 00 640,165 31 



Miscellaneous. 
Fire losses incurred during the year (estimated), 



1,325,216 00 



UNITED STATES BRANCH OF THE " LONDON ASSURANCE 
CORPORATION," LONDON. 

[fire branch.] 

Deposit Capital, $270,000. 
CHAS. L. CASE, Resident Manager. 

Office, New York. 



Detailed Statement of Stocks 



United States bonds, 

Baltimore Belt Railroad bonds, 
Central Railroad of New Jersey bonds, . 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago, St. Louis & New Orleans R.R. bonds 
Colorado Midland Railway bonds, . 
Denver & Rio Grande bonds, . 

Erie Railway bonds 

Lehigh Valley Railway bonds, 
Long Island Railroad bonds, . 
Louisville & Nashville Railroad bonds, . 
Mil., Lake Shore & Western Railroad bonds, 
Minneapolis & St. Louis R.R. bonds, 
Philadelphia & Reading Railroad bonds,. 
Pittsb., ('inn., Chicago & St. Louis bonds, 
St. Paul, Minne. & Manitoba R.R. bonds, 
Scioto Valley & New England R.R. bonds, 
City of Richmond (Va.) bonds, 



and Bonds. 

l'ar Value. 

$700,000 00 
16,000 00 
40,000 00 
100,000 00 
8,000 00 
35,000 00 
30,000 00 
50,000 00 
3C,000 00 
45,000 00 
25,000 00 
25,000 00 
25,000 00 
15,000 00 
25,000 00 
55,000 00 
30,000 00 
50,000 00 



Market Value. 

$799,750 00 
16,640 00 
44,600 00 
119,000 00 
9,280 00 
37,800 00 
25,950 00 
68,500 00 
31,462 50 
51,750 00 
30,350 00 
31,875 00 
32,750 00 
12,900 00 
26,0 10 00 
65,825 00 
24,750 00 
50,000 00 



$1,:K)4,000 00 $1,478,682 50 



1892.] FOREIGN FIRE INSURANCE COS. 



375 



Summary of Assets Dec. 31, 1892. 



Stocks and bowls, as per schedule, . 
Cash to the office and in transit, 
Cash deposited in hank, .... 
Premiums in course of collection (gross), 
Gross assets, ..... 

Unadmitted. 

Special deposits 

Cash not in control of trustees, 



$1,478,682 50 

1,862 09 

66,552 27 

174,510 89 



$249,937 50 
4,832 91 



$1,721,607 75 



254,770 41 



Balance, $1,466,837 34 



Liabilities. 

Losses adjusted and reported, . 
Unearned premiums on outstanding risks, 
Reel ai enable on perpetual fire policies, . 
Commissions and brokerage, . 
Bills payable, 

Gross liabilities, except capital, 
Deduct liability on special deposits, . 

Surplus as regards policy-holders, . 
Deposit capital, 



$146,333 00 

902,523 84 

174 80 

29,989 44 

21 61 



$1,079,042 69 
90,610 50 



Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums ou risks written or renewed, . 

Total, $ 

Premiums now in course of collection, . 

Entire premiums collected, . . . . $ 
Less re-insurance and return premiums, . 
Net cash fire premiums received, . . . ■ 
Interest and dividends received from all sources, 

Gross cash income, 

Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Xet cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



988,432 19 

$478,405 15 

270,000 00 

$208,405 15 



$167,708 29 
1,407,951 18 

.1,575,659 47 
174,510 89 

1,401,148 58 
291,258 83 



$1,109,889 75 
59,533 83 

$1,169,423 58 



$823,007 26 
76,639 39 



$746,367 87 

222,988 35 

93,751 35 

25,681 14 

67,961 84 



$1,156,750 55 



376 



I'MTED STATES BRANCHES OF [Dec. 31, 



Fire risks outstanding Doc. 31, 1891, 
Fire risks written during 1892, 



Risks and Premiums. 

rremiums. 

$200,691,883 00 $1,734,302 07 
153,415,605 00 1,407,951 18 



Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$354,107,488 00 $3,142,253 25 
152,915,187 00 1,320,378 12 



$201,192,301 00 $1,821,875 13 
9,459,111 00 84,762 67 



$191,733,190 00 $1,737,112 46 



Miscellaneous. 
Fire losses incurred during the year, 



$792,384 00 



UNITED STATES BRANCH OF THE "LONDON ASSURANCE 
CORPORATION," LONDON. 

[MARINE BRANCH.] 

Deposit Capital, $300,000. 

CLEMENT L. DE8PARD, Manager and Attorney. 

Office, New York, N. Y. 



Detailed Statement of Stocks and Bonds. 



Brooklyn city bonds, 

New York city bonds, 

Boston city bonds, 

Cleveland city bonds, 

Chicago & Erie Railroad bonds, 

Chesapeake & Ohio Railroad bonds, 



Par Value. 

$100,000 00 

100,000 00 

100,000 00 

50,000 00 

50,000 00 

50,000 00 



Market Value. 

$98,000 00 

102,000 00 

95,000 00 

45,000 00 

50,750 00 

51,000 00 



$450,000 00 $441,750 00 



Summary of Assets Dec 

Mocks and bonds, as per schedule, . 
Cash in the office of the company, . 
( !ash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets, 



31, 1892. 

$441,750 00 

2,781 12 

161,386 25 

5,864 59 

55,934 41 

13,518 85 



$681,185 22 



1892.] FOREIGN FIRE INSURANCE COS. 

Unadmitted. 



377 



Cash not in control of trustees, 
Bills receivable, 



$3,059 74 
13,518 85 



$16,578 59 



Balance ■ $664,606 63 



Liabilities. 



Losses claimed and reported, 
Less re-insurance, 



Net amount of unpaid losses, . 
Unearned premiums on outstanding ltfsks, 
Commissions and brokerage, . 
Return premiums and re-insurance, 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Deposit capital, ... 

Surplus over capital, .... 



$53,587 86 
2-4,312 52 

$29,275 34 

64,635 54 

3,057 96 

7,675 00 



104,643 84 



$559,962 79 
300,000 00 



$259,962 79 



Income. 

Marine premiums outstanding Dee. 31, 1891, . $96,850 95 
Premiums on risks written or renewed, . . 773,603 80 

Total $870,454 75 

Premiums now in course of collection, . . 55,934 41 

Entire premiums collected, .... $814,520 34 
Less re-insurance and return premiums, . . 186,872 43 

Net cash marine premiums received, . . 

Interest and dividends received from all sources, . 

Gross cash income, 



.27,647 91 
15,390 30 



$643,038 21 



Expenditures. 

Cash paid for marine and inland losses, . . $570,634 91 
Deduct salvage and re-insurance, . . . 205,697 51 

Net cash paid for marine and inland losses, . $364,937 40 

Cash paid for commissions and brokerage, .... 56,792 03 
for salaries of officers and employees, . . . 12,554 46 

for State and local taxes, 7,674 62 

for incidentals, 22,264 03 

Remitted to home office, $68,052 20 



Gross cash expenditures, . 



$464,222 54 



;;7s 



UNITED STATES BRANCHES OF [Dec. 31, 



Risks and Premu m&. 



Marine risks outstanding Dec. 31, 1891, 
Marine risks written during 1892, . 

Total 

Deduct risks expired and terminated,' 

In force at end of year, 
Deduct amount re-insured, 



$7,220,287 00 
114,398,166 00 

il 2 1,6 18,453 00 
116,946,070 00 

$4,672,383 00 
1,001,032 00 



rremlums. 

$116,977 95 
773,603 80 



$890,581 75 
806,822 85 

$83,758 90 
19,123 36 



Net amount in force, . 

Miscellaneous. 
Marine and inland losses incurred during the year, 



. $3,671,351 00 £04,635 54 



$314,370 00 



UNITED STATES BRANCH OF THE " LONDON AND LANCASHIRE 
FIRE INSURANCE COMPANY," LIVERPOOL, ENGLAND. 

Deposit Capital, $290,000. 

JEFFREY BEAVAN, Resident Manager. 

Office, New York, JSf. Y. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, $345,000 00 

Baltimore & Ohio Railroad bonds, . . . 100,000 00 

Chicago & Northwestern Railroad bonds, . 100,000 00 

Chicago, Rock Islaud & Pacific R.R. bonds, . 90,000 00 

Central Railroad of New Jersey bonds, . . 100,000 00 

Cincinnati, Ind., St. Louis & Chic. R.R. bonds, 100,000 00 

Delaware & Hudson Railroad bonds, . . 25,000 00 

Lake Shore & Michigan Southern R.R. bonds, 92,000 00 

New York Central & Hudson River R.R. bonds, 75,000 00 

New York & Harlem Railroad bonds, . . 50,000 00 

West Shore Railroad bonds 100,000 00 

Lake Erie & Western Railroad bonds, . . 50,000 00 

Lehigh Valley Railroad bonds, . . . 50,000 00 

Mil., Lake Shore & Western Railroad bonds, . 50,000 00 

Baltimore Belt Railroad bonds, . . . 25,000 00 

New York City bonds, 120,00000 

Richmond City bonds, 50,000 00 

Chesapeake & Ohio Railroad bonds, . . 50,000 00 

Cincinnati, Dayton & I ronton Railroad bonds, 20,000 00 

Flint & Pere Marquette Railroad bonds, . . 25,000 00 

New York, Ontario & Western Railroad bonds, 20,000 00 

Georgia State bonds, 24,000 00 



Market Value 

$395,025 00 

115,000 00 

121,000 00 

112,050 00 

111,500 00 

94,000 00 

34,625 00 

111,320 00 

93,750 00 

59,500 00 

104,000 00 

55,500 00 

52,000 00 

54,250 00 

25,750 00 

120,000 ( 

51,000 00 

51,000 00 

l!t,400 00 

25,000 00 

21,300 00 

27,860 00 



511,061,000 00 $1,855,430 00 



1892.] FOREIGN FIRE INSURANCE COS. 



379 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 

Premiums in course of collection (gross), 

Notes taken for fire risks, 

Rents dne and accrued, .... 

Re-insurance, ...... 

Premiums more than 3 months due, £26,424 12 
Gross assets, 

Unadmitted. 

Special deposits 

Cash not in control of trustees, 



Balance, 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
l-i >s re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Return premiums, re-insurance, etc., 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, 



Surplus over capital, 



31, 1892. 

8298,130 00 

1,855,430 00 

30,596 38 

117,574 49 

323,903 89 

3,611 80 

1,712 09 

8,628 99 



$251,375 00 
113,170 87 



$2,639,587 64 



364,545 87 
1,275,041 77 



$55,975 35 

175,236 34 

34,503 40 

$265,715 09 
21,152 04 

$244,563 05 

1,607,182 45 

60,540 58 

22,323 49 

$1,934,609 57 
122,828 85 



Income. 

Fire premiums outstanding Dec. 31, 1891, . $368,150 01 

Premiums on risks written or renewed, . . 2,859,061 91 

Total, $3,227,211 92 

Premiums now in course of collection, . . 354,008 48 



Entire premiums collected, 

Less re-insurance and return premiums, 

Xet cash fire premiums received, . . . — 

Interest and dividends received from all sources, 

Income from rents, ...... 

Gross cash income, 



$2,873,203 44 
709,222 50 



1,811,780 72 

$463,261 05 

290,000 00 

$173,261 05 



- $2,163,980 94 

74,744 27 

8,489 85 

. $2,247,215 06 



380 



UNITED STATES BRANCHES OF [Dec. 31, 



Expenditures. 

Cash paid for fire losses, $1,655,979 33 

Deduct salvage and re-insurance, . . . 290,478 10 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, .... 

for salaries of officers and employees, . 

for State and local taxes, 

for incidentals, . . . . . 



Gross cash expenditures, . 



$1,365,501 23 

420,138 90 

142,432 75 

38,855 93 

127,033 28 

$2,093,962 09 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$349,763,094 00 
277,568,505 00 

$627,331,599 00 
258,587,179 00 

$368,744,420 00 
18,045,926 00 



Premiums. 

$3,267,844 76 

2,859,061 91 

$6,126,906 67 

2,738,711 73 

$3,388,194 94 

261,873 99 



$350,698,494 00 $3,126,320 95 



Miscellaneous. 
Fire losses incurred during the year, 



$1,374,584 00 



UNITED STATES BRANCH OF THE "MANCHESTER FIRE ASSUR- 
ANCE COMPANY," MANCHESTER, ENGLAND. 

Deposit Capital, $200,000. 

W. X W. DUDLEY, Manager. 

Office, Chicago, III. 



Detailed Statement of Stocks and Bonds. 

Tar Value. Market Value. 

New York city bonds, $200,000 00 $206,000 00 

United States bonds, 397,000 00 450,595 00 

District of Columbia bonds, .... 20,000 00 22,800 00 

Wheeling & Lake Erie Railroad bonds, . . 30,000 00 31,350 00 

Lehigh Valley Railroad bonds, . . . 25,000 00 26,125 00 

St. Paul, Minn. & Manitoba Railroad bonds, . 25,000 00 25,000 00 

Chesapeake & Ohio Railroad bonds, . . 25,000 00 25,500 00 

Chicago, Milw. & St. Paul Railroad bonds, . 87,000 00 95,570 00 

Chicago* Eastern Illinois Railroad bonds, . 27,000 00 32,805 00 

Knoxville & Ohio Railroad bonds, . . . 15,000 00 15,225 00 

Central Railway of New Jersey bonds, . . 55,000 00 61,187 50 

West Shore Railroad bonds 25,000 00 25,500 00 



1892.] FOREIGN FIRE INSURANCE COS. 



381 



Par Value. Market Value. 

Baltimore & Ohio Railroad bonds, . . . $53,000 00 $59,750 00 

Pennsylvania Railroad bonds 75,000 00 79,400 00 

Chicago & Western Indiana Railroad bonds, . 55,000 00 64,900 00 

Illinois Central Railroad bonds, . . . 25,000 00 26,000 00 

Atlanta & Charlotte Railroad bonds, . . 14,000 00 16,240 00 

Atchison, Topeka & Santa Fe Railroad bonds, 16,500 00 13,818 75 

Lake Erie & Western Railroad bonds, . . 13,000 00 14,397 50 

Chicago, St. L. & New Orleans Railroad bonds, 25,000 00 28,875 00 

Northern Pacific Railroad bonds, . . . 16,000 00 18,960 00 

Burl., Cedar Rapids & Northern R.R. bonds, . 25,000 00 25,500 00 

$1,248,500 00 $1,365,498 75 

Summary of Assets Dec. 31, 1892. 

Loans on mortgage of real estate (first liens), $50,000 00 

1,365,498 75 

380 66 

54,278 81 

304,697 32 

7,993 25 



Stoeks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 

Re-insurance, 

Gross assets, 



$1,782,848 79 



Unadmitted. 



Special deposit, . 

Cash not in control of trustees, 



$163,500 00 
34,527 59 



198,027 59 



Balance, $ 1,584,821 20 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, . 
Deposit capital, 



$96,134 29 

115,353 85 

19,934 14 

$231,422 28 
9,854 28 

$221,568 00 

987,134 10 

58,261 19 

$1,266,963 29 
79,258 22 



1,187,705 07 

$397,116 13 
200,000 00 



Surplus over capital, . 



$197,116 13 



382 



UNITED STATES BRANCHES OF [Dec. 31, 



Income. 

Fire premiums outstanding Dec. 31, 1892, . 1225,304 79 

Premiums on risks written or renewed, . . 2,002,058 15 



Total, $2,227,9(1-2 94 

Premiums now in course of collection, . . 304,097 32 



Entire premiums collected, .... $1,923,205 02 
Less re-insurance and return premiums, . . 440,078 08 
Net cash lire premiums received, 

Interest and dividends received from all sources, . 

Gross cash income, 



- § 1,470,580 94 
30,705 00 

. $1,513,351 94 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, . 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 



$827,778 04 
09,070 50 



- 0758,101 54 

312,985 81 
65,700 30 
28,805 05 

111,940 71 

. $1,277,593 47 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 



Risks and Premiums. 

Premiums. 

.$72,512,986 00 f931,885 09 
. 154,799,403 00 2,002,058 15 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$227,312,389 00 $2,934,543 24 
. 89,540,270 00 1,118,036 86 



$137,772,113 00 $1,816,506 38 
. 5,573,018 00 86,386 98 



$132,199,095 00 $1,730,119 40 



Miscellaneous. 
Fire losses incurred during the year, 



$880,408 00 



1892.] 



FOREIGN FIRE INSURANCE COS. 



383 



UNITED STATES BRANCH OF THE "MANNHEIM INSURANCE 
COMPANY," MANNHEIM, GERMANY. 

Deposit Capital, $300,000. 
HUGO MENZEL, Resident Ma7iager. 

Office, New York City. 



Detailed Statement of Bonds. 

I'ar Value. 



United States bonds, . 
New York city bonds, 



$100,000 00 
250,000 00 



$350,000 00 

Summary of Assets Dec. 31, 1892. 
Stocks and bonds, as per schedule, . 
( !aafa deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets, 

Unadmitted. 

Cash not in control of trustees, 

Premiums in course of collection in excess of 

unearned premiums, .... 
Bills receivable, 



Balance, 



Liabilities. 



Losses adjusted, unpaid, . 
Less salvage, 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Deposit capital, 



Surplus over capital, .... 

Income. 
Marine premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total 

Premiums uow in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Gross cash income, .... 



$363,250 00 

7,693 71 

19,481 99 

2,197 42 



£7,693 71 

5,693 28 
2,197 42 



$33,576 90 
23,314 66 

$10,262 24 

13,788 71 

2,490 00 



$25,201 90 
188,109 61 



$213,311 51 
21,679 41 



$191,632 10 
12,332 99 



Market Value. 

$113,250 00 
250,000 00 

$363,250 00 



$392,623 12 



15,584 41 
$377,038 71 



26,540 95 



$350,497 76 
300,000 00 



$50,497 76 



$179,299 11 
$179,299 11 



384 



UNITED STATES BRANCHES OF [Dec. 31, 



Expenditures. 

Cash paid for marine and inland losses, . . $232,544 34 
Deduct salvage and re-insurance, . . . 40,569 24 
Net cash paid fur marine and inland losses, 
Cash paid for commissions and brokerage, 

for State and local taxes, . 

for incidentals, . . . . 

Gross cash expenditures, 

Risks and Premiums. 

Marine risks outstanding Dec. 31, 1891, . . $2,570,591 00 
Marine risks written during 1892, . . . 44,362,346 00 



Total, $46,932,937 00 

Deduct risks expired and terminated, . . 46,345,943 00 



$191,975 10 

19,453 42 

5,314 93 

8,927 59 

$225,671 04 



Premiums. 

$16,558 25 
175,776 62 



$192,334 87 
178,546 16 



In force at end of year, 



$586,994 00 $13,788 71 



Miscellaneous. 
Marine and inland losses incurred during the year (estimated), $173,024 00 



UNITED STATES BRANCH OF THE "MARINE INSURANCE 
COMPANY," LONDON, ENGLAND. 

Deposit Capital, $300,000. 

PERCY CHUBB, Resident Manager. 

Office, New York City. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, $100,000 00 

New York city bonds, 300,000 00 

Pennsylvania Railroad bonds, .... 50,000 00 

N. Y. Central & Hudson River R.R. bonds, . 25,000 00 



Market Value. 

$113,000 00 

309,000 00 

60,000 00 

25,000 00 



$475,000 00 $507,000 00 



Summary of Assets Dec. 31, 1892. 



Stocks and bonds, as per schedule, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Note? taken for marine and inland risks, 

Re-insurance 

Gross assets, 



$507,000 00 
25,376 71 
55,894 97 
10,761 66 
12,557 46 



$611,590 80 



FOREIGN FIRE INSURANCE COS. 

Unadmitted. 



385 



Special dep< - 

Cash not in control of trustees, 

Premiums in cx>nrse of collection In excess of 

unearned premiums, 

Bills receivable, 



Balance, 



iea claimed and reported, 
ranee, 



Liabilities. 



$113,000 00 

25,376 71 

10,655 64 

10,761 66 



t amount of unpaid 1 sees, . 

Unearned premiunis on outstanding r 
State and local tax 
Comni ind brokerage, . 
Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special dep site,. 

Surplus as regards policy-holders, . 
Deposit capital, 

Surplus over capital, .... 

Income. 

Marine premiums outstanding Dec. 31, 18 
Premiums on risks written or renewed. . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums. . 

Net cash marine premiums received, 

Interest and dividends received from all sources, 

Gross cash income, 

Expenditures. 
Cash paid for marine and inland losses, . 
Deduct salvage and re-insurance, 
2Set cash paid for marine and inland losses, . 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

Gross cash expenditures* ... . . 



|22,061 00 
4,11 

§17,894 00 
36,239 33 

14,475 

35,117 Go 

$109,726 30 

00 



$89,001 72 
346,940 47 

$434,942 19 
66,656 63 

$368,285 56 
151,685 65 



$179,275 23 

64,349 28 



$168,794 01 

$442,796 79 



108,726 30 



$334,070 49 

00 

$34,070 49 



$216,599 91 

10,083 73 

$226,683 64 



$114,925 95 

26,181 97 

7,799 90 

5,014 12 

$153,921 94 



386 



UNITED STATES BRANCHES OF [Dec. 31, 



Marine risks outstanding 1 Dec. 31, 1891, 
Marine ri^ks written during 1892, . 



Risks and Premiums. 

Premiums. 

? 13,819,567 00 $ 69,827 85 
159,992,773 00 345,9-40 47 



Total,. ..... 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$173,812,340 00 $415,768 32 
159,552,270 00 363,943 53 



$14,260,070 00 $51,824 79 
4,987,260 00 15,585 56 



►,272,810 00 $36,239 23 



Miscellaneous. 
Marine and inland losses incurred during the year, . 



$79,591 00 



UNITED STATES BRANCH OF THE "NATIONAL ASSURANCE 

COMPANY/ 1 IRELAND. 

Deposit Capital, $200,000. 

GILBERT PALACHE, Manager. 

Office, San Fra?icisco, Cal. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

$120,000 00 $126,000 00 



Boston city bonds, . 

Lynn city bonds, 

Reading, Pennsylvania, city bonds, 

Boston & Maine Railroad bonds, 

Fitchburg Railroad bonds, 

Old Colony Railroad bonds, 



15,000 00 
10,000 00 
20,000 00 
15,000 00 
20,000 00 



15,300 00 
10,600 00 
20,000 00 
13,162 50 
21,500 00 



$200,000 00 $206,562 50 



Summary of Assets Dec. 31, 1892. 

Stocks and bonds, as per schedule, . . . $206,562 50 

Cash deposited in bank, 44,311 06 

Premiums in course of collection (gross), . 24,994 92 

Gross assets, 



Unadmitted. 



Cash not in control of trustees, 



$275,868 48 
5,000 00 



Balance, $270,868 48 



_>.] FOREIGN FIRE INSURANCE COS. 

Liabilities. 



387 



|1,907 92 

56,642 90 
3,719 00 



$62,269 22 



a disputed or resisted 

Unearned premiums on outstanding risks, 
Commissions and brokerage, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, $208,599 26 

Deposit capital, 300,000 00 

Surplus over capital, $8,599 26 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 



Total 

Premiums now* in course of collection, 

Entire premiums collected, 

re-insurance and return premiums, 
Net cash fire premiums received, 



$25,279 15 

139,164 41 

$164,443 56 
24,994 92 

$139,448 64 
4^,474 25 



?90,974 39 



Gross cash income, $90,974 39 



Expenditures. 

Cash paid for fire losses, 

for commissions and brokerage, 
for incidentals, . 

Gross cash expenditures, . 



$40,814 22 

30,381 20 

370 15 

$71,565 57 



Risks and Pkemiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1891, . . $5,491,287 00 3107,629 23 



Fire risks written during 1892, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

2set amount in force, . 



7,552,529 00 139,164 41 



$13,043,816 00 ?246,793 64 
5,400,226 00 105,362 19 



$7,643,590 00 §141,431 45 
1,390,767 00 28,379 51 



. f6,252,823 00 $113,051 94 



Miscellaneous. 
Fire losses incurred during the year (estimated), . 



$39,351 00 



388 



UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE "NORTH BRITISH AND 
MERCANTILE INSURANCE COMPANY," LONDON AND EDIN- 
BURGH. 

Deposit Capital, $200,000. 

SAMUEL P. BLAGDEN, Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $420,000 00 $475,112 00 

New York Central & Hudson River R.R. bonds, 500,000 00 625,000 00 

West Shore Railroad bonds 400,000 00 415,000 00 

New York, Lackawanna & Western R.R. bonds, 100,000 00 129,000 00 

Delaware & Hudson Canal Company bonds, . 61,000 00 86,010 00 

St. Paul & Northern Pacific Railroad bonds, . 50,000 00 59,500 00 

Chicago & Northwestern Railroad bonds, . 156,000 00 214,500 00 

Baltimore & Ohio Railroad bonds, . . . 200,000 00 219,260 00 

City of Boston bonds, ..... 80,000 00 85,200 00 

New ITork County bonds, 31,000 00 39,222 00 

New York City bonds, 18,000 00 21,893 00 

South Carolina bonds, 12,500 00 12,500 00 

Alabama State bonds, 10,000 00 10,200 00 

Virginia State bonds, . . . . . 64,966 67 20,383 00 

Milwaukee Underwriters 1 Building Ass'n stock, 181 00 181 00 



$2,103,647 67 $2,412,961 00 



Summary of Assets Dec. 31, 1892. 

Cash value of unencumbered real estate, . $465,360 84 

Stocks and bonds, as per schedule, . . . 2,412,961 00 

Cash in the office of the company, . . . 1,469 65 

Cash deposited in bank, 112,335 08 

Interest due and accrued, 48,055 00 

Premiums in course of collection (gross), . 410,024 88 

Notes taken for fire risks, .... 3,457 67 

Rente due and accrued, 1,844 58 

Re-insurance 10,498 37 

Premiums more than 3 months due, $45,165 61 

Gross assets, 

Unadmitted. 

Special deposits, . $246,120 50 

Securities not in control of trustees, . . 82,97100 

Cash not in control of trustees, . . . 113,804 73 



$3,466,007 07 



442,896 23 



Balance $3,023,110 84 



■2.] FOREIGN FIRE INSURANCE COS. 

Liabilities. 



389 



Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 

Total amount of losses, 
Leaf nuance, 

amount of unpaid 1< . 

Unearned premiums on outstanding 
Commissions and brokerage, . 
Re-insurance, etc., 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-hold" 



risks 



•64,931 24 

B 94 
54,052 3L 

2 49 
42,430 95 

II 54 

1,884,441' 96 
69,474 02 
18,684 56 

$2312,570 08 

174,427 54 



$2,138,142 54 



--1,968 30 



Deposit capital, 200,000 00 

Surplus over capital, $684,968 30 



Income. 

Fire premiums outstanding Dec. 31, 1891, . $425,664 50 

Premiums on risks written or renewed, . . 2,973,728 38 

Total $3,39! 

Premiums now in course of collection, . . 455,190 4£J 



Entire premiums collected, .... $2,944,202 39 

Less re-insurance aud return premium- . ""',131 36 

Net cash fire premiums received, . . . 

Interest and dividends received from all sources, . 

Income from rents, 



$2,369,071 03 

129,271 61 

3,044 90 



Gross cash income, §2,501,387 54 



Expenditures. 

Cash paid for fire losses, $1,782,014 71 

Deduct salvage and re-insurance, . . . 133,923 74 

Net cash paid for fire losses, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, .... 

Gross cash expenditures, . . . 



$1,648,090 97 

360,005 01 

236,570 03 

57,944 74 

116,323 17 

$2,418,933 92 



390 



UNITED STATES BRANCHES OF [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 

Fire ri.-ks written during 1892, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



$329,907,530 00 
288,804,065 00 

$618,711,595 00 
262,041,993 00 

$356,669,602 00 
23,370,989 00 



Premiums. 

$3,562,029 11 
2,973,728 38 

$6,535,757 49 
2,675,696 36 

f 3,860,061 13 
225,849 08 



Net amount in force, . 

Miscellaneous. 
Fire losses incurred during the year, 



$333,298,613 00 $3,634,212 05 



$1,722,489 00 



UNITED STATES BRANCH OF THE "NORTHERN ASSURANCE 
COMPANY," LONDON, ENGLAND. 

Deposit Capital, $200,000. 

H. 8. WHEELOCK, New England Manager. 

Office, 27 Kilby Street, Boston. 



Detailed Statement 



United States bonds, 
Salem (Oregon) city bonds, 
New York city bonds, 
Boston city bonds, 
St. Louis city bonds, . 
Providence city bonds, 
St. Paul city bonds, . 
Minneapolis city bonds, 
Massachusetts State bonds, 
Pennsylvania Railroad bonds, 
West Shore Railroad bonds, 



of Bonds. 

Par Value. 

$391,000 00 
34,000 00 

200,000 00 

139,500 00 
40,000 00 
52,500 00 
50,000 00 

100,000 00 
25,000 00 

100,000 00 
50,000 00 



Market Value. 

$442,807 50 
34,000 00 

202,000 00 

145,837 50 
40,000 00 
53,878 12 
53,000 00 

100,000 00 
27,750 00 

100,000 00 
50,875 00 



$1,182,000 00 $1,250,148 12 



Summary of Assets Dec. 31, 1892. 



Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Oasfa deposited in bank, .... 
Intercut due and accrued, .... 
Premiums in course of collection (gross), 

Re-insurance, etc., 

Premiums more than :5 months due, $2,350 CI 
Grose assets, 



$114,544 44 

1,250,148 12 

3,151 65 

61,760 14 

14,855 83 

208,349 32 

423 19 



$1,653,232 69 



1802.] FOREIGN FIRE INSURANCE COS. 

Unadmitted* 



391 



Special deposits, 

Lash not in control of trustees, 



$250,307 50 
64,911 79 



$315,219 29 



Balance, $1,338,013 40 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding r.i-k<, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, 
Deposit capital, 



$44,264 73 

90,420 42 

35,436 47 

$170,121 62 

12,066 14 

fl .".8,055 48 

954,864 73 

1,565 12 

31,955 11 

8,877 83 

il. 155,318 27 

162,329 48 



992,988 79 



$345,024 61 
200,000 00 



Surplus over capital, $145,024 61 



Income. 

Fire premiums outstanding Dec. 31, 1891 
Same not collected, .... 

Xet collected, .... 
Premiums on risks written or renewed, 



Total, 

Premiums now In course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash fire premiums received, 
Interest and dividends received from all 
Received from home office, 

Gross cash income, 



$183,105 55 
926 44 

$182,179 11 
1,585,274 23 

$1,767,453 34 
209,773 49 

$1,557,679 85 
337.707 00 



sources, 



$1,219,972 85 
42,960 36 



§133,974 05 



§1,262,933 21 



3<>2 



UNITED STATES BRANCHES OF [Dec. 31, 



Expenditures. 

Cash paid for fire losses, $985,728 36 

Deduct salvage and re-insurance, . . . 101,909 15 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, . 

for salaries of officers and employees, . 

for State and local taxes, 

for incidentals, 

Remitted to home office, $88,178 06 

Gross cash expenditures, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 



$158,859,200 00 
142,933,785 00 

$301,792,985 00 
131,460,814 00 

$170,332,171 00 
. 8,609,808 00 



$883,819 21 

196,286 16 

80,947 89 

34,063 08 

113,721 43 



$1,308,837 77 

rremiums. 

$1,750,819 38 
1,585,274 23 



$3,336,093 61 
1,393,520 19 



$ 1,942,573 42 
92,222 46 



Net amount in force, . 

Miscellaneous. 
Fire losses incurred during the year, 



$161,722,363 00 $1,850,350 96 



$863,574 00 



UNITED STATES BRANCH OF THE "NORWICH UNION FIRE 
INSURANCE SOCIETY," NORWICH, ENGLAND. 

Deposit Capital, $300,000. 
J. MONTGOMERY HARE, Resident Manager. 

Office, New York, N. Y. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, . . . . $508,000 00 

New York Central & Hudson River R.R. bonds, 75,000 00 

Chicago, Burl. & Quincy Railroad bonds, . 100,000 00 

Chicago, Rock Island & Pacific R.R. bonds, . 90,000 00 

Pennsylvania County bonds, .... 150,000 0*0 

New Ym-k, Chicago & St. Louis R.R. bonds, . 100,000 00 

West Shore Railroad bonds, •. 40,000 00 

Richmond, Va, citj bonds 50,000 00 

Pennsylvania Equipment Trust certificates, . 52,000 00 

Lake Shore cV Michigan Southern R.R. bonds, 118,000 00 

Lehigh & Wilkesbarre Coal Oo. ELK. bonds, . 8,000 00 

New York City bonds, 100,000 00 



Market Value. 

$581,660 00 
93,750 00 
85,000 00 
91,800 00 

162,750 00 
97,500 00 
41,500 00 
51,250 00 
50,440 00 

143,960 00 
8,720 00 

106,000 00 



$1,391,000 00 $1,517,330 00 



1892.] 



FOREIGN FIRE INSURANCE COS. 



393 



Summary of Assets Dec. 

Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 

Re-insurance, 

Premiums more than 3 months clue, $11,460 84 
Gruss assets, 

Unadmitted. 
Special deposits, 

Cash not in control of trustees, 



Balance, 



90S adjusted, unpaid, 
Less re-insurance, 



Liabilities. 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions, brokerage, etc., . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, 

Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1891, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Gross cash income, .... 



31, 1892. 

040,000 00 

150 00 

1,517,330 00 

1,120 79 

211,844 33 

87,408 02 

24 37 



$236,180 00 
11,086 28 



$1,857,877 51 



247,266 28 



$1,610,611 23 



$174,941 99 
11,044 60 



$163,897 39 

1,115,762 95 

1,577 79 

16,975 68 



•1,298,213 81 
108,935 77 



1,189,278 04 



$421,333 19 
300,000 00 



$121,333 19 



$109,876 26 
1,065 27 



f 108,810 99 
1,935,378 54 



$2,044,189 53 
98,868 86 



$1,945,320 67 
377,650 01 



sources, 



$1,567,670 66 

900 00 

63,243 92 



f 1,631,814 58 



* Total value of property mortgaged, . 
Amount of insurance held as collateral, . 



$80,000 00 
40,000 00 



394 



UNITED STATES BRANCHES OF [Dec. 31, 



Expenditures. 

Cash paid for fire losses, $1,078,698 36 

Deduct salvage and re-insurance, . . . 66,084 71 

Net cash paid for lire losses, .... $1,012,613 65 

Cash paid for commissions and brokerage, .... 262,806 71 

for salaries of officers and employees, . . . 117,087 43 

for State and local taxes, ..... 18,275 60 

for incidentals, 110,877 52 



Gross cash expenditures, $1,521,660 91 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1891, . $194,049,754 00 $1,987,399 33 
Fire risks written during 1892, . . . 186,014,300 00 1,935,378 54 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$380,064,054 00 $3,922,777 87 
. 166,523,260 00 1,680,027 37 



$213,540,794 00 $2,242,750 50 
. 8,367,017 00 87,949 57 



$205,173,777 00 $2,154,800 93 



Miscellaneous. 
Fire losses incurred during the year, 



. $997, 281 00 



UNITED STATES BRANCH OF THE "PHOENIX ASSURANCE 
COMPANY OF LONDON," LONDON, ENGLAND. 

Deposit Capital, $200,000. 

A. D. IRVING, Resident Manager. 

Office, New York, N. Y. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $1,198,000 00 $1,362,725 00 

Central Railroad of New Jersey bonds, . . 50,000 00 55,750 00 

Chicago, Rock Island & Pacific R.R. bonds, . 50,000 00 51,250 00 

New York, Chicago & St. Louis R.R. bonds, . 50,000 00 48,875 00 

West Shore Railroad bonds, .... 120,00000 125,40000 

Pennsylvania Company bonds, . . . 25,000 00 27,125 00 

Chicago & Northwestern Railroad bonds, . 43,000 00 46,870 00 

50,750 00 



Atchison, Topeka & Santa Fe Railroad bonds 



50,000 00 



$1,586,000 00 $1,768,745 00 



1892.] FOREIGN FIRE INSURANCE COS. 



395 



Summary of Assets Dec. 31, 1892. 
Stocks and bonds, as per schedule, . . . $1,768,745 00 

Cash deposited in bank, 41)2,789 75 

Premiums in course of collection (gross), . 230,798 55 

Gross assets, $2,492,333 30 

Unadmitted. 

Special deposits $221,812 50 

Cash not in control of trustees, . . . 13,822 00 

235,634 50 



Balance, $2,256,698 80 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Re-insurance, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, 
Deposit capital, .... 

Surplus over capital, 



$926 00 

457,164 00 

35,784 00 

$493,874 00 
222,470 00 

$271,404 00 

1,486,291 94 

37,016 66 

28,209 78 

$1,822,922 38 
115,612 85 



1,707,309 53 



$549,389 27 
200,000 00 

$349,389 27 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest and dividends received from all sources, . 

Gross cash income, 



$267,260 89 
40,946 57 



$226,314 32 
3,210,866 99 



$3,437,181 31 
230,798 55 

$3,206,382 76 
1,239,330 27 



$1,967,052 49 
66,620 00 

$2,033,672 49 



396 



UNITED STATES BRANCHES OF [Dec. 31, 



Expenditure 

Cash paid for fire losses, 12,045,42159 

Deduct salvage and re-insurance, . . . 652,991 04 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, . 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, . 

Net amount in force, . 



$295,455,448 00 

366,120,225 00 

$661,575,673 00 

273,254,668 00 



$1,392,430 55 

374,329 08 

90,405 67 

62,591 50 

116,951 91 

$2,036,708 71 

Premiums. 

§2,820,626 04 
3,210,866 99 



$388,321,005 00 
66,220,714 00 



$6,031,493 03 
2,524,304 49 

$3,507,188 54 
579,337 15 



$322,100,291 00 $2,927,851 39 



Miscellaneous. 
Fire losses incurred during the year, 



$1,251,269 00 



UNITED STATES BRANCH OF THE "PRUSSIAN NATIONAL 
INSURANCE COMPANY," STETTIN, GERMANY. 

Deposit Capital, $200,000. 

THEODORE W. LETTON, Resident Manager. 

Office, Chicago, III. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds $200,000 00 $226,500 00 

Baltimore & Ohio Railroad bonds, . . . 30,000 00 33,750 00 

Beech Creek Railway bonds, .... 30,000 00 30.600 00 

Chesapeake & Ohio Railroad bonds, . . 10,000 00 9,675 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 30,000 00 33,300 00 

E. Tenn., Virginia & Georgia Railroad bonds, 9,000 00 9,270 00 

Erie Railway bonds, 10,000 00 13,700 00 

Illinois Central Railroad bonds, . . . 8,000 00 8,360 00 

Lehigh Valley Railroad bonds, . . . 30,000 00 31,200 00 

Louisville & Nashville Railroad bonds, . . 32,000 00 36,940 00 

Memphii iV Charleston Railroad bonds, . . 10,000 00 11,850 00 

Metropolitan Elevated RVay of N. Y. bonds, 12,000 00 14,220 00 

Montana Central Railroad bonds, . . . 11,000 00 11,330 00 

New York, Chicago & St. Louis R.R. bonds, . 30,000 00 29,287 50 



1892.] FOREIGN FIRE INSURANCE COS. 



397 



Rochester & Pittsburgh Railroad bonds, . 

St. Paul, Minn. & Manitoba Railroad bonds, 
Union Elevated Railway bonds, 
Valley Railroad of Ohio bonds, 



Par Value. 

$5,000 00 

5,000 00 

30,000 00 

30,000 00 



Market Value. 

$6,050 00 

5,850 00 

24,500 00 

30,000 00 



$522,000 00 $576,382 50 



Summary of Assets Dec. 31, 1892. 



Stocks and bonds, a^ per schedule, . 
Cash in the office of the company, . . . 
Cash deposited in bank, .... 

Interest due and accrued, .... 
Premiums in course of collection (gross), 
Re-insurance, . . . . 
Gross assets, 



Unadmitted. 



Cash not in control of trustee*, 



Balance, 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Return premiums and re-insurance, 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, . 
Deposit capital, . . . c . 

Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 
Less re- insurance and return premiums, . 
Net cash fire premiums received, 
Marine premiums on risks written, . 
Premiums now in course of collection, 



Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest and dividends received from all sources, 

Gross cash income, ..... 



$576,382 50 

2,048 28 

47,U1 21 

6,243 33 

82,881 97 

41 19 



$8,353 52 

31,574 24 

2,070 00 

183,604 50 

17,837 78 

11,999 87 



$60,675 14 

411,938 13 

$472,613 27 

82,881 97 

$389,731 30 

59,635 35 

$706 62 

21 21 



5 41 

116 60 



$714,738 48 

10,660 06 
$704,078 42 



255,439 91 



$448,638 51 
200,000 00 



$248,638 51 



$330,095 95 



568 81 
26,835 00 

$357,499 76 



398 



UNITED STATES BRANCHES OF [Dec. 31, 



Expenditures. 

Cash paid for fire losses, $126,634 25 

Deduct salvage and re-insurance, . . . 10,882 37 

Net (.-ash paid for fire losses, .... 

Cash paid for commissions and brokerage, .... 

for salaries of officers and employees, . 

for State and local taxes, 

for incidentals, 



Gross cash expenditures, .... 

Risks and Premiums. 



. $10,174,023 00 
. 32,266,000 00 

. $42,440,023 00 
. 16,120,715 00 



.$ 26,319,308 00 
. 1,661,017 00 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, 

Marine risks written during 1892, . 
Deduct risks expired and terminated, 



In force at end of year, .... $3,885 00 

Miscellaneous. 
Fire losses incurred during the year (estimated), . . 



$115,751 88 

68,955 78 

36,546 95 

4,815 95 

30,691 17 

$256,761 73 



rremiums. 

$157,840 51 
411,938 13 

$569,778 64 
207,771 94 

$362,006 70 
26,966 28 



. $24,658,291 00 


$335,040 42 


. $105,057 00 


$706 62 


101,172 00 


693 72 



$12 90 



$285,640 00 



UNITED STATES BRANCH OF "THE RELIANCE MARINE IN- 
SURANCE COMPANY (LIMITED)," LIVERPOOL. 

Deposit Capital, $300,000. 
HENRY DE8PARD, Resident Managtr. 

Office, New York, N. Y. 



Detailed Statement of Stocks and Bonds. 



United States bonds, . 
New York city bonds, 
Brooklyn city bonds, 
Boston city bonds, 



Par Value. 

$50,000 00 

200,000 00 

50,000 00 

30,000 00 



Market Value. 

$56,250 00 

202,000 00 

54,500 00 

29,550 00 



$330,000 00 $342,300 00 



1892.] FOREIGN FIRE INSURANCE COS. 



399 



Summary of Assets Dec. 31, 1892. 

Stocks and bonds, as per schedule, . . . $342,300 00 

Cash in the office of the company, . . . 755 90 

Cash deposited in bank, 6,334 28 

Interest due and accrued, 2,637 50 

Premiums in course of collection (gross), . 31,230 08 

Notes taken for marine and inland risks, . 550 00 
Premiums more than 3 months due, $792 90 

Gross assets, $383,807 76 

Unadmitted. 

Special deposits, $28,125 00 

Cash not in control of trustees, . . . 7,090 18 
Premiums in course of collection in excess of 

unearned premiums, 11,815 39 

47,030 57 



Balance $336,777 19 



Liabilities. 



Losses claimed and reported, 
Less re-insurance, 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 
Return premiums and re-insurance, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, . 
Deposit capital, 



$12,926 00 
1,000 00 

$11,926 00 

19,964 69 

416 66 

1,012 81 

2,211 61 



Surplus over capital, . 



35,531 77 

$301,245 42 
300,000 00 

$1,245 42 



Income. 

Marine premiums outstanding Dec. 31, 1891, . $34,660 83 
Premiums on risks written or renewed, . . 269,452 18 

Total, $304,113 01 

Premiums now in course of collection, . . 31,780 08 

Entire premiums collected, .... $272,332 93 
Less re-insurance and return premiums, . . 70,413 36 

Net cash marine premiums received, . . 

Interest and dividends received from all sources, . 

Income from rents, etc., 



$201,919 57 

8,400 39 

498 11 



Gross cash income, $210,818 07 



400 



UNITED STATES BRANCHES OF [Dec. 31, 



Expenditures. 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, . 

Net cash paid for marine and inland losses, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes,. 

for incidentals, 

Gross cash expenditures, .... 



$99,849 25 
27,093 60 



$72,755 65 

12,873 03 

8,156 00 

3,168 46 

4,264 81 

$101,217 95 



Marine risks outstanding Dec. 31, 1891, 
Marine risks written during 1892, . 



Risks and Premiums. 

Premiums. 

. $699,909 00 $17,846 57 
■ . 81,191,866 00 269,452 18 



Total, 

Deduct risks expired and terminated, 

» 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



.$31,891,775 00 $287,298 75 
. 30,763,049 00 265,948 60 



MISCELLANEOUS. 

Marine and inland losses incurred during the year, 



.,128,726 00 $21,350 15 
57,531 00 624 76 



,071,195 00 $20,725 39 
$56,902 00 



UNITED STATES BRANCH OF THE "ROYAL INSURANCE 
COMPANY," LIVERPOOL, ENGLAND. 

Deposit Capital, $235,000. 

SCULL & FIELD, Managers of the New England Branch. 

Office % 85 Water Street, Boston. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds $560,000 00 $641,200 00 

Albany & Susquehanna Railroad bonds, . . 100,000 00 120,000 00 

Brooklyn & Montauk Railroad bonds, . . 25,000 00 27,500 00 

Central Railroad of New Jersey bonds, . . 200,000 00 226,000 00 

Chicago, Burlington & Quinpy R.R. bonds, . 50,000 00 62,500 00 

Chicago, Milwaukee & St Paul K.K. bonds, . 62,000 00 81,530 00 

Chicago & Northwester^ Railroad bonds, . 100,000 00 1-10,000 00 

Chicago, Rock Maud $ Pacific R.R. bonds, . 100,000 00 126,000 00 

Cin , [nd'p's, St. Louis & Chic. R.R, bonds, . 100,000 00 98,500 00 

Cleveland & Pittsburgh Railroad bonds, . . 100,000 00 111,000 00 



1802. J 



FOREIGN 7 FIRE INSURANCE COS. 



401 



Delaware and Hudson Canal bonds, 
Illinois Central Railroad bonds, 
Lake Erie & Western Railroad bonds, 
Lehigfa Valley Railroad bonds, 
Michigan Central Railroad bonds, . 
Milwaukee & St Paul Railroad bonds, 
Morris & Essex Railroad bonds, 
New York Central & Hudson Riv. R.R. bonds 
New York, Clue. & St. Louis R.R. bonds, 
New York & Harlem Railroad bonds, 
New York, Lacka. & Western M.W. bonds, 
Pittsburg, Ft. Wayne & Chicago R.R. bonds, 
Pennsylvania Railroad bonds, . 
Philadelphia & Reading Railroad bonds,. 
Rome, Watertown & Ogdensburg R.R. bonds 
St. Paul, Minnesota OC' Manitoba [\M. bonds, 
Syracuse, Bine;. & New York Railroad bonds 
United New Jersey Railroad bonds, 
\Ye>t Shore Railroad bonds, 
Winona & St. Peter Railroad bonds, 



I'ar Value. 

$10,000 00 
100,000 00 

30,000 00 
350,000 00 
170,000 00 
100,000 00 

16,000 00 
100,000 00 
100,000 00 
110,000 00 
loi),000 00 

14,000 00 

5,000 00 

100,000 00 

25,000 00 

75,000 00 

50,000 00 
200,000 00 
100,000 00 

38,000 00 



Market Value. 

$57,200 00 
105,000 00 

34,500 00 
378,000 00 
182,280 00 
127,000 00 

22,560 00 
126,000 00 

98,000 00 
132,000 00 
131,000 00 

19,600 00 

6,700 00 

111,000 00 

28,125 00 

88,500 00 

65,000 00 
218,000 00 
104,000 00 

49,495 00 



$3,220,000 00 $3,718,190 00 



Summary of Assets Dec. 31, 1892. 



Cash value of unencumbered real estate, 

Stocks and bonds, as per schedule, . 

Cash in the office of the company, . 

Cash deposited in bank, .... 

Interest due and accrued, .... 

Premiums in course of collection (gross), 

Notes taken for fire risks, 

Rents due and accrued, .... 

Premiums more than 3 months due, §21,422 96 

Gross assets, 

Unadmitted. 
Real estate, .' 

Special deposits, 

Cash not in control of trustees, 



$1,818,200 10 

3,718,190 00 

3,396 25 

494,606 41 

5,638 89 

665,592 59 

3,935 90 

14,770 48 



fl27,043 86 

257,625 00 
74,536 30 



1,724,330 62 



459,205 16 



Balance, $ 6,265,1 25 46 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 
Less re-insurance, . 

Net amount of unpaid losses, . 



Liabilities. 



$18,904 83 

706,423 78 

81,919 94 

$807,248 55 
183,934 51 

$623,314 04 



402 



UNITED STATES BRANCHES OF [Dec. 31, 



Unearned premiums ori outstanding risks, 

Reclaimable on perpetual tire policies, 

Liability under life department, 

Due and accrued for rent, salaries, etc., 

State and local tax* 

Commissions and brokerage, . 

Return premiums and re-insurance-, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



$3,832,896 03 

162,061 88 

115,500 00 

7,022 81 

12,934 90 
106,426 92 
222,579 92 

$5,072,736 50 
218,370 86 



$4,854,365 64 



Surplus as regards policy-holders, . 
Deposit capital, 



. $1,410,759 82 
235,000 00 



Surplus over capital, . 



. $1,175,759 82 



Income. 

Fire premiums outstanding Dec. 31, 1891, . $714,915 84 

Same not collected, 4,199 62 

Net collected, $710,716 22 

Premiums on risks written or renewed, . . 6,292,199 00 

Total, $7,002,915 22 

Premiums now in course of collection, . . 686,751 83 



Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash lire premiums received, 

Interest and dividends received from all sources, 

Income from rents, etc., 

Deposits received for perpetual fire risks, 

Gross cash income, 



6,316,163 39 
1,584,307 94 



$4,731,855 45 

161,300 60 

79,539 17 



$18,369 43 



. $4,972,695 22 



Expenditures. 

Cash paid for fire losses, $3,595,527 24 

Deduct salvage and re-insurance, . . . 610,766 23 

Net cash paid for fire losses, .... $2,984,761 01 

Cash paid for commissions and brokerage, .... 858,764 20 
lor salaries of officers and employees, . . . 309,842*1 

for State and local taxes, 91,334 02 

for incidentals, 250,752 84 

Deposits returned on perpetual fire risks, . $4,935 87 



Gross cash expenditures, . 



$4,495,454 48 



L892.] FOREIGN FIRE INSURANCE COS. 



403 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$688,954,003 00 
.733,241,130 00 



$1,422,195,133 
. 570,745,574 00 



3851,449,559 00 
. 85,885,550 00 



rremium8. 

$6,316,862 61 

6,292,199 00 

12,609,061 61 

4,640,880 64 

$7,968,180 97 

632,998 36 



Perpetual risks in force (not included above), $6,646,404 00 



$765,564,009 00 $7,335,182 61 
$6,425 60 



Miscellaneous. 
Fire losses incurred during the year, 



. $3,043,338 00 



UNITED STATES BRANCH OF "THE ROYAL EXCHANGE 
ASSURANCE, 11 LONDON, ENGLAND. 

Deposit Capital, $200,000. 

ROBERT DICKSON, Resident Manager. 

Office, San Francisco, Cat. 
Summary of Assets Dec 31, 1892. 



United States bonds, 

Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, . . . 



Unadmitted. 



Special deposits, 

Cash not in control of trustees, 



$283,125 00 

228 68 

18,000 24 

2,500 00 

42,314 56 



$56,625 00 
3,228 92 



$346,168 48 



59,853 92 



Balance, $286,314 56 



Liabilities. 

Losses claimed and reported, . 

Losses disputed or resisted, 

Unearned premiums on outstanding risks, 



$1,700 00 

2,000 00 

83,123 91 



404 



UNITED STATES BRANCHES OF [Dec. 31, 



Commissions and brokerage, . 
Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, 
Deposit capital, 



Impairment of capital, 



$11,001 78 
841 15 



$98,666 84 
7,842 90 



$90,823 94 

$195,490 62 
200,000 00 



$4,509 38 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash tire premiums received, 

Interest and dividends received from all sources, 

Gross cash income, 

Expenditures. 

Cash paid for fire losses, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, .... 
Remitted to home office, 

Gross cash expenditures, .... 



$23,608 56 
172,890 29 

$196,498 85 
42,314 56 



$154,184 29 
30,902 81 



§29,750 00 



23,281 48 
10,000 00 



$133,281 48 

$53,950 64 

32,053 18 

10,939 40 

1,188 55 

12,636 87 

$110,768 64 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 



Risks and Premiums. 

Premiums. 

$2,744,510 00 $55,869 76 
10,411,804 00 172,890 29 



Total 

Deduct risks expired and terminated, 

In force at end of year, .... 
Deduct amount re-insured, 

Net amount in force, .... 

Miscellaneous 
Fire losses incurred during the year, 



$13,156,314 00 $228,760 05 
3,895,941 00 76,253 74 



$9,260,373 00 $152,506 31 
839,875 00 6,382 77 



§8,920,498 00 f 146,123 54 



$56,705 00 



1892.] 



FOREIGN FIRE INSURANCE COS. 



405 



[JNITED STATES BRANCH OF THE "SCOTTISH UNION AND 
NATIONAL INSURANCE CO.," EDINBURGH, GREAT BRITAIN. 

Deposit Capital, $200,000. 
M. BENNETT, Manager. 

Office, Hartford, Conn. 



Detailed Statement of Stocks and Bonds. 

Par Vnlue. Market Value. 

United States boDds, $50,000 00 $56,625 00 

County of Middlesex debentures, . . . 50,000 00 53,565 00 

City of Toronto bonds 1,500 00 1,500 00 

Ontario Railway bonds, 51,912 00 40,274 12 

Canada inscribed stock 100,000 00 110,000 00 

City of Richmond bonda 50,000 00 50,000 00 

Funded debt of Ohio bonds, .... 100,00000 105,00000 

Georgia State bonds, 25,000 00 25,000 00 

Freehold Loan and Savings Co. debenture, . 25,000 00 25,000 00 

New York city bonds 200,000 00 202,000 00 

Land Security Company debentures, . . 25,000 00 25,000 00 

Central Canada Loan & Savings Co. debenture, 25,000 00 25,000 00 



$703,412 00 $718,964 12 



Summary of Assets Dec. 31, 1892. 



Loans on mortgage of real estate (fir 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course 6-f collection (gross), 
Re-insurance, .... 
Gross assets, 



st liens*), $1,114,100 00 
18,100 72 



718,964 12 

140 10 

227,527 22 

6,162 50 
171,072 23 

2,582 49 



1,258,649 38 



Unadmitted. 

Special deposits, $346,625 00 

Securities not in control of trustees, . . 3,642 60 

Cash not in control of trustees, . . . 8,596 50 



358,864 10 



Balance, $1,899,785 28 

* Value of lands mortgaged, $1,317,057 00 

Value of buildings thereon, 1,409,768 00 

Amount of insurance held as collateral 1,132,425 00 



406 



UNITED STATES BRANCHES OF [Dec. 31, 



Liabilities. 
Losses adjusted, unpaid, $34,746 77 

claimed and reported, .... 97,801 00 

disputed or resisted, .... 6,550 00 

Unearned premiums on outstanding risks, . 608,545 75 

Commissions and brokerage, .... 23,913 32 

Re-insurance 31,231 65 

Gross liabilities, except capital, . . . $802,788 49 
Deduct liability on special deposits, . . 231,137 81 

Surplus as regards policy-holders 

Deposit capital, 

Surplus oyer capital, 

Income. 
Fire premiums outstanding Dec. 31, 1891, . $122,509 25 
Premiums on risks written or renewed, . . 1,773,728 03 

Total, $1,896,237 28 

Premiums now in course of collection, . . 171,072 23 

Entire premiums collected, .... $1,725,165 05 
Less re-insurance and return premiums, . . 833,795 31 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Gross cash income, 

Expenditures. 

Cash paid for fire losses, 

Cash paid for commissions and brokerage, .... 
for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, 

Risks and Premiums. 



$571,650 68 

11,826,184 60 

200,000 00 

11,128,134 60 



$891,369 74 

59,820 19 

23,501 36 

$974,691 29 



$491,372 00 

114,847 5S 

39,672 91 

28,078 77 

46,090 61 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1892, 

Total, 

Deduct risks expired and ternlinated, 

In force at end of year, . 
Deduct amount re-insured, 

N<-{ amount in force, . 



$147,882,324 00 
180,831,937 00 



$750,061 87 

rromlums. 

'1,454,668 11 
1,773,728 03 

53,228.396 14 
1,393,274 84 

il,835,121 30 
681,995 63 

$115,867,462 00 $1,153,125 67 



$328,714,261 00 
143,014,560 00 

$185,699,701 00 
69,832,239 00 



Miscellaneous. 
Fire losses incurred during the year, , , 



$533,907 00 



_>.] FOREIGN FIRE INSURANCE COS. 



407 



UNITED STATES BRANCH OF THE "SUN INSURANCE OFFICE," 

LONDON, ENGLAND. 

Deposit Capital, $200,000. 

J. J. GUILE, Resident Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds $504,000 00 $578,040 00 

City of Brooklyn bonds 80,000 00 80,000 00 

Savannah & Western Railroad bonds, . . 25,000 00 17,000 00 

Central Railroad of New Jersey bonds, . . 25,000 00 27,250 00 

St Paul & Lake Superior Railroad bonds, . 15,000 00 15,600 00 

X.-w York. Ontario & Western Railroad bonds, 25,000 00 26,625 00 

Minn., Sault St. M. & Atlantic R.R. bonds, . 25,000 00 22,875 00 

Baltimore & Ohio Railroad bonds, . . . 25,000 00 20,500 00 

Cleve., Cin., Chicago & St. Louis R.R. bonds, . 25,000 00 23,500 00 

Louisville & Nashville Railroad bonds, . . 25,000 00 29,125 00 

Norfolk & Western Railroad bonds, . . 20,000 00 22,200 00 

Atch., Topeka & Santa Fe Railroad bonds, . 25,000 00 20,437 50 

Chicago, Burl. & Quincy Railroad bonds, . 8,000.00 6,840 00 

Rio Grande Junction Railroad bonds, . . 25,000 00 23,250 00 

Cinn., Hamilton & Dayton Railroad bonds, . 30,000 00 30,600 00 

Terminal R.R. Association, St. Louis, bonds, . 25,000 00 24,250 00 

West End Railroad bond- 50,000 00 52,000 00 

Lehigh Valley Railroad terminal bonds, . 50,000 00 56,125 00 

Atchison mortgage notes, 50,000 00 50,000 00 

St. Louis bridge bonds, 25,000 00 32,875 00 

Proctor and Gamble bonds 25,000 00 27,000 00 

N. Y., Lake Erie & Western Railroad bonds, . 50,000 00 . 67,600 00 

Pittsburgh, Ft. Wayne & Chic. R.R. stock, . 43,000 00 62,390 00 



$1,200,000 00 $ 1,322,082 50 



Summary of Assets Dec. 31, 1892. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 

Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (gross), 

Rents due and accrued, 

Gross assets, 



$180,000 00 

514,000 00 

19,835 00 

1,322,082 50 

3,485 73 

222,423 47 

22,616 96 

385,056 25 

1,750 00 



$2,671,249 91 



* Valne of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, . 



$550,500 00 
322,000 00 
277,000 00 



408 UNITED STATES BRANCHES OF [Dec. 31, 

Unadmitted, 



Special deposits, 

Cash not in control of trust 



$212,675 00 
25,531 47 



$238,206 47 



Balance, $2,433,043 44 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc , 
Commissions and brokerage, . 
Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, 
Deposit capital, .... 

Surplus over capital, . 



$110,517 35 

180,657 59 

32,223 33 

$323,398 27 

10,297 25 

$313,101 02 

1,633,619 35 

833 33 

41,832 00 

13,944 00 



$2,003,329 70 
147,517 70 



1,855,812 00 



. $577,231 44 
200,000 00 

. $377,231 44 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Same not collected, 

Net collected, .... 
Premiums on risks written or renewed, 

Total 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash lire premiums received, . 
Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, .... 
Gross cash income, 



$389,251 86 
499 47 

$388,752 39 
2,729,478 62 

$3,118,231 01 
385,056 25 

$2,733,174 76 
575,612 64 



sources, 



$2,157,562 12 

21,944 14 

56,245 76 

8,600 77 



. $2,244,852 79 



1892.] 



FOREIGN FIRE INSURANCE COS, 



409 



Expenditures. 

Cash paid for fire losses $1,512,026 09 

Deduct salvage and re-insurance, . . . 135,753 77 

Net cash paid for lire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 18'J2, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 



$258,066,860 00 
237,664,619 00 

$495,731,479 00 
200,524,662 00 

$295,206,817 00 
14,019,808 00 



$1,376,272 32 

379,730 91 

90,119 93 

43,675 56 

223,657 62 

$2,113,456 34 

Premiums. 

$2,693,371 31 

2,729,478 62 

$5,422,849 93 

2,217,586 20 

$3,205,263 73 

165,217 27 



Net amount in force, . . . . $281,187,009 00 $3,040,046 46 

Miscellaneous. 
Fire losses incurred during the year, $1,498,107 00 



UNITED STATES BRANCH OF THE "THAMES AND MERSEY 
MARINE INSURANCE COMPANY," LIVERPOOL, ENGLAND. 

Deposit Capital, $300,000. 

A. J. MACDONALD, Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 



United States bonds, .... 

Chicago & Northwestern Railroad bonds, 



Summary of Assets Dec 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 

Re-insurance, 

Gross assets, . . ...... 



Par Value. Market Value. 

$375,000 00 $423,750 00 
80,000 00 97,600 00 



$455,000 00 $521,350 00 

31, 1892. 

$521,350 00 

2,068 77 

25,879 53 

32,297 90 

2,046 31 

$583,642 51 



410 



UNITED STATES BRANCHES OF [Dec. 31, 
Unadmitted. 



Special deposits in other States, 

Cash not in control of trustees, 



$84,750 00 
27,948 30 



|112,698 30 



Balance, £470,9-44 21 

Liabilities. 
Losses claimed and reported, .... $46,594 00 
Losses disputed or resisted, .... 20,76300 

Total amount of losses, .... $67,357 00 
Less re-insurance, 14,366 00 

Net amount of unpaid losses, .... §52,991 00 

Unearned premiums on outstanding risks, . 32,386 00 

Commissions and brokerage, .... 937 43 

Re-insurance, ....... 4,725 87 

Gross liabilities, except capital, . . 91,040 30 

Surplus as regards policy-holders f 379,903 91 

Deposit capital, 300,000 00 

Surplus over capital, $79,903 91 

Income. 

Marine premiums outstanding Dec 31, 1891, . $26,555 90 
Premiums on risks written or renewed, . . 299,872 84 

Total, $326,428 74 

Premiums now in course of collection, . . 32,297 90 

Entire premiums collected, .... $294,130 84 
Less re-insurance and return premiums, . . 44,673 16 

Net cash marine premiums received, . . f 2 19,457 68 

Interest and dividends received from all sources, . . . 15,000 00 
Income from all other sources, 187 50 

Gross cash income, §264,645 18 

Expenditures. 

Cash paid for marine and inland losses, . . $135,715 70 
Deduct salvage and re-insurance, . . . 19,154 04 - 

Net cash paid for marine and inland losses, . §116,561 66 

Cash paid for commissions and brokerage, .... 17,652 44 
for salaries of officers and employees, . . . 17,559 25 

for State and local taxes, 8,159 82 

for incidentals, 13,951 28 

Remitted to home office, $75,695 11 



Gross casta expenditures, 



$173,884 45 



1892.] 



FOREIGN FIRE INSURANCE COS. 



411 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1891, 
Marine risks written during 1892, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, 

Deduct amount re-insured, 

Net amount in force, . 



$2,825,021 00 
66,227,526 00 



)9,052,547 00 
65,972,716 00 



$3,079,831 00 
405,047 00 



rremiums. 

$43,483 00 
299,872 84 



$343,355 84 
305,609 84 



$37,746 00 
5,360 00 



$2,674,784 00 $32,386 00 



Miscellaneous. 
Marine and inland losses incurred during the year, 



. $136,026 00 



UNITED STATES BRANCH OF THE "TRANSATLANTIC FIRE 
INSURANCE COMPANY," HAMBURG, GERMANY. 

Deposit Capital, $262,000. 

E. HARBERS, Resident Manager. 

Office, New York, N. Y. 



Detailed Statement of Stocks and Bonds. 



New York City bonds, .... 
Western Union Telegraph bonds, . 
Pennsylvania Company bonds, . 
West Shore Railroad bonds, 
Philadelphia & Reading Railroad bonds, 
St. Louis & San Francisco Railroad bonds, 
Chicago, Rock Island & Pacific R.R. bonds, 
Atlantic & Pacific Railroad bonds, . 
Northern Pacific Railroad bonds, 
Illinois Central Railroad bonds, 
St. Paul, Minnesota & Manitoba R.R. bonds, 
Richmond city bonds, .... 
Pennsylvania equipment bonds, 
AVestern NewY"ork & Pennsylvania R.R. bonds 
Chesapeake & Ohio Railroad bonds, 
Louisville, Ky., city bonds, . , 



Par Value. 

f262,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 



Market Value. 

$269,860 00 
10,600 00 
10,800 00 
10,400 00 
8,600 00 
8,500 00 
10,250 00 
7,000 00 
11,800 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,350 00 
10,250 00 
10,000 00 



$412,000 00 $418,410 00 



412 



UXITED STATES BRANCHES OF [Dec. 31, 



Securities held as collateral for cash loans: — 

Canada Southern Railroad bonds, . 
Texas Pacific Railroad bonds, . 
Chicago, Milwaukee & St Paul 11 R. bonds, 
Philadelphia & Reading Railroad bonds,. 
New York, Ontario & Western R.R. bonds, 
Missouri, Kansas & Texas Railroad bonds, 
Texas Pacific Railroad bonds, . 
Chesapeake & Ohio Railroad bonds, 
Atchison Railroad bonds, . 
Chesapeake & Ohio Railroad bonds, 
General Electric Railroad bonds, 
Chicago & Northern Pacific Railroad bonds, 
St Louis Southwestern Railroad bonds, . 
Ft. Worth & Denver City Railroad bonds, 
10,000 shares Missouri Pacific Railroad, . 



Summary of Assets Dec 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Premiums more than 3 months due, $2,001 50 
Gross assets, 

Unadmitted. 
Cash not in control of trustees, 

Balance, 

Liabilities. 
Losses claimed and reported, . 

Losses disputed or resisted, 

Unearned premiums on outstanding risks, 

Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Deposit capital, 

Surplus over capital, .... 

Income. 
Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums; . 

Net cash fire premiums received, 

Interest and dividends received from all sources, 

Gross cash income, 



Market Value. Loaned Thereon. 

$6,420 00 ^ 
12,16